金融自由化与金融监管体制改革——以日本为实例的分析  

Finance Liberalization and Reform of Finance Supervision System ---- An Analysis Based on Japan's Example

作　　者：殷立春[1] 陈治国[1] 

机构地区：[1]吉林大学东北亚研究院,吉林长春130012

出　　处：《现代日本经济》2004年第2期6-10,共5页Contemporary Economy OF Japan

基　　金：教育部重点研究基地2001年重大研究项目"世界经济全球化与东北亚地区经济发展";项目编号:01JAZJDGJW003

摘　　要：日本金融体系的异常行为是造成日本泡沫经济的直接原因,而1985年旨在实现金融自由化的金融改革却从以下两个方面促成了金融体系的异常行为自由化的不平衡导致了利率体系的扭曲,为经济实体对房地产、股票等虚拟资产的投机资金需求方面起到了促进作用;自由化引发的金融机构的经营目标的改变,使对贷款的审批、稽核力度下降,又从资金供给方面支持了经济实体的投机行为。对于自由化带来的问题,日本进行了监管体制改革,并给我们提供了经验和教训。The bubble economy of Japan has been caused by the abnormal behavior of the financial system of the country, while the abnormal behavior of the financial system has been caused, in the following two aspects, by the financial reform in 1985 aimed at financial liberalization: first, the imbalance of the liberalization has resulted in the distortion of the interest rate system, practically stimulating various economic entities?demand for funds for speculation investment in such nominal assets as real estate and stocks; second, the change of the aim of financial organs?operations caused by the liberalization has led to the decline in the examining and auditing strength over loans, thus supporting economic entities?speculation from the angle of fund supply. To solve the problems brought about by liberalization, Japan has introduced the reform of supervision system, and supplied us with experiences and lessons.

关 键 词：金融自由化 金融监管体制 日本 金融体系 利率体系 

分 类 号：F833.13[经济管理—金融学]