恩平“金融事件”反思——市场约束的视角  

Review of Enping "Financial Panics"——A Market Discipline Perspective

作　　者：孙龙建[1] 邓路[2] 

机构地区：[1]天津外国语学院国际商学院,天津300204 [2]南开大学经济学院,天津300071

出　　处：《科学．经济．社会》2009年第2期43-45,共3页Science Economy Society

摘　　要：银行过度冒险是导致危机的微观因素之一,市场参与者是约束银行风险暴露的重要力量。研究选择恩平"金融事件"为案例,针对金融风险形成和爆发等关键环节进行分析,揭示市场约束在识别和控制银行风险的积极作用。存款人风险意识不足、无序竞争和银行管理者激励不当等,都限制市场约束发挥作用。通过加强金融创新、改进监管和内部治理,有助于加强银行业的市场约束。Bank taking excessive risk is a microeconomic factor to induce banking crisis, market discipline can all play a important role in controlling risk. Choosing the case of Enping ＂Financial Panics＂, The paper analysis the positive role of market discipline, some institutional factors to restrict market discipline, such as depositor＇s capacity to control risk, excessive competition and improper incentives of banker. By way of improve financial innovation, regulation and internal governance, market discipline can be strengthened.

关 键 词：银行危机 市场约束 监管 

分 类 号：F012[经济管理—政治经济学]