中国银行业监管效果的实证研究  

An Empirical Study on the Regulation Effectiveness in China's Banking Industry

作　　者：肖兴志[1] 韩超[1] 

机构地区：[1]东北财经大学产业组织与企业组织研究中心,辽宁大连116025

出　　处：《产业经济研究》2008年第4期29-36,共8页Industrial Economics Research

基　　金：国家社会科学基金项目"中国垄断产业规制效果的评价研究"(项目编号:07BJY011);教育部"新世纪优秀人才支持计划"(项目编号:NCET-05-0298);辽宁省高等学校优秀人才支持计划(项目编号:RC-05-04)

摘　　要：本文运用1989～2005年中国银行业发展和监管的相关数据对中国银行业监管效果进行系统的实证检验，并对银行业监管进行维度细分。实证结果显示，银行业监管总体上是有效的，促进了银行业业务规模的发展，提高了银行经营效率，降低了银行业面临的风险水平，但具体到监管的维度上，“政府拥有银行的比例”检验效果不明显，“市场力量参与监管”不是很理想，还需要继续加强。This paper takes a systematic empirical study on China＇s banking supervision ＆ regulation effectiveness with relevant data on Chinese Banking development and banking supervision ＆ regulation from 1989～2005. Also,it break down supervision ＆ regulation into dimensions. The empirical results show that banking supervision ＆ regulation is generally effective which have promoted the development in the scale of banking; enhanced operating efficiency and reduced level of risk the banking facing. But referred to the specific dimensions of supervision ＆ regulation, the results of “the proportion of government-owned banks”＇s testing is not obvious; “market forces in monitoring” do not play its due role and should be enforced.

关 键 词：银行业 监管效果 实证分析 

分 类 号：F830.2[经济管理—金融学]