试论我国融资担保监管体系的构建:基于博弈论的视角  

On Construction of China's Financing Guarantee Regulation System:Based on the Game Theory

作　　者：蒋平[1] 

机构地区：[1]西南财经大学金融学院,四川成都610074

出　　处：《南方金融》2011年第3期35-39,共5页South China Finance

摘　　要：本文分析了我国融资担保监管存在的问题,通过建立监管当局与融资担保机构之间的博弈模型,得出两者的策略组合为(监管,合格)。根据模型结论的政策含义,本文提出对融资担保行业监管的五大原则,即风险为本的监管原则、功能监管原则、统一监管原则、防火墙监管原则以及透明度监管原则,并设计了对融资担保行业进行监管的手段,最后提出加强融资担保监管的法律建设、改革融资担保监管架构、加强融资担保与其他金融部门的监管协调等对策建议。The paper firstly analyzes the problems existing in the financing guarantee regulatory,constructs the game model between guarantee institutions and regulatory authorities,and finds out that their optimal strategy is（regulation,qualification）.Based on the Policy implication of the game model,this paper proposes five key principles for China’s financing guarantee regulation,and they are risk-based,functional regulation,unified supervision,firewall monitoring and transparency regulation.Besides,it also proposes that regulation methods should be designed to supervise financing guarantee。Finally,some policy suggestions including reinforcing legislation of financing guarantee,reforming its framework and improving coordination among the sector of financing guarantee and other sectors are put forward in this paper.

关 键 词：金融监管 融资担保 宏观审慎监管 博弈 监管原则 监管手段 

分 类 号：F832.4[经济管理—金融学] F224