有效银行监管机制问题探析  

An Analysis of the Bank's Effective Regulation Mechanism

作　　者：杨再平[1] 

机构地区：[1]中国银行业协会,北京100033

出　　处：《金融研究》2015年第2期23-28,共6页Journal of Financial Research

摘　　要：监管不是主管,更不是直接经营管理,而是借助一定的机制推动被监管机构稳健运行发展。借助机制监管犹如利用机器工作,可以收到事半功倍的效果。监管机制与监管技术是纲与目的关系,机制有效决定技术有效。从某种意义讲,有效银行监管就是不断设计、贯彻、维护、强化和改进相应的制度体制安排的过程。有效银行监管须要瞄准股东、董事、董事长、行长等利益攸关角色,设计既符合关键角色行为规律又符合监管目标的制度机制,或与银行业稳健运行发展"激励兼容+信息有效"的制度机制。银行公司治理结构就是这样的制度机制安排。完善银行业金融机构的公司治理结构,强化股东和董事的利益压力,赋予高管层足以够大的动力、权力和压力,使之内在地倾向于更多追求投资者利益最大化进而追求银行长期稳健价值最大化,是构建有效监管机制的基本前提。Regulation is not monitoring, or direct administration or management. Instead, regulation is the promotion of the steady operation and development of regulated institutions with the support of certain mechanisms. Just like working with machines, regulation with the support of mechanism could help accomplish twice as much with half the effort. The relationship between regulation mechanism and regulation technique is like the relationship between ＂class＂ and ＂order＂ in biological classification, and the mechanism determines the effectiveness of the technique. In a sense, effective bank regulation is a process of continuously designing, implementing, maintaining, intensifying and improving relevant institutional and systematic arrangements. With focus on major stakeholders such as shareholders, board members, chairman, president, etc. , effective bank regulation means designing an institutional mechanism which not only conforms to the key roles＇ behavior rules but also satisfy regulatory objectives, or an ＂incentive compatible and information effective＂ institutional mechanism which could promote banking industry＇ s steady operation and development. Banks＇ corporate governance structure is such institutional mechanism arrangement. Improving banking financial institutions＇ corporate governance structure, strengthening the interests stress of shareholders and the board members, empowering senior management with sufficient impetus, power and pressure and making it internally inclined to seeking the maximum interests for investors and thus for the bank＇ s long - term steady values are the basic preconditions of building effective regulation mechanism.

关 键 词：有效监管 机制问题 激励兼容 

分 类 号：F832.1[经济管理—金融学]