混业经营模式下的有效金融监管组织体系研究  

Game Analysis of Effective Organization Structure of Financial Supervision Dominated by Financial Groups

作　　者：刘夏[1] 蒲勇健[1] 陈斌[1] 

机构地区：[1]重庆大学经济与工商管理学院,重庆400044

出　　处：《金融研究》2005年第9期96-104,共9页Journal of Financial Research

摘　　要：金融控股公司代表了混业经营模式的发展趋势。如何构建适应当前金融混业趋势的有效的金融监管组织体系是理论界和实践界普遍关心的问题。本文通过构建博弈模型分析得出分业监管模式对金融控股公司制商业银行的金融创新造成了不利影响,而混业监管模式既能引导金融控股公司制商业银行进行自我约束,又能促进金融创新。我国应该建立以维护金融体系整体稳定和效率为目标导向的混业监管模式,这样有利于各个监管主体之间实现信息共享、加强合作和增进行动的一致性。In view of the pattem of mixed - operation and domination of the financial industry by financial groups in the current international financial world, the paper, raising the question of how financial supervision system responds, mainly discusses on how to reform the organizational structure. Through building up game models in different structures of financial supervision, we fmd that separation of financial supervision on financial groups holds back financial innovation, and explore the implications of uniting or integrating the supervision on financial groups.

关 键 词：金融集团 金融监管 金融创新 博弈 

分 类 号：F830.2[经济管理—金融学]