中外银行业监管效率的比较分析  

A Comparative Research on the Efficiency of Banking Supervision at Home and Abroad

作　　者：李正阳[1] 

机构地区：[1]中国人民大学经济学院,北京100872

出　　处：《国际经贸探索》2011年第7期62-67,共6页International Economics and Trade Research

摘　　要：银行业作为整个金融体系的核心,在社会经济的发展中有着举足轻重的地位,推动着整个国民经济的发展。银行业运行过程中出现任何问题都会给整个金融系统带来巨大的冲击甚至是毁灭性的打击。因此,为保障整个银行体系的健康稳定发展,银行监管显得尤为重要。文章选取世界银行2008年公布的银行监管数据库作为数据来源,对中国-印度型与德国-美国型两种不同的监管模式的监管效率进行比较分析,认为中国-印度监管模式的国家监管效率并不理想,而且应当效仿德国、美国等经济发达国家推行金融自由化。As the core part of financial system, banking plays a great role in the development of social economy. Any problem occurring in the run of banking would cause great shocks to the whole financial system, and any crisis breaking out in the banking sector will easily lead to a chain reaction to the whole financial system, even triggering a large-scale or global financial crisis. Therefore, it is important to carry out bank regulation to make sure the healthy development of the whole banking system. This paper takes the supervision database disclosed by Word Bank in 2008 as sources of data, compares the efficiency between China-India type and Germany-America type. It concludes that China-India type is less efficient than Germany-America type. Finally, it gives some advices on the reform of banking supervision based on the analysis.

关 键 词：银行监管模式 监管效率 监管改革 比较分析 

分 类 号：F830[经济管理—金融学]