银行监管的市场约束理论进展被引量：22

Theory Review on Market Discipline Mechanism in Banking Regulation

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摘要上世纪80年代以来,包括美国在内的全球各国对于政府监管失灵以及银行安全网设计过程中引发的严重道德风险问题展开了广泛探讨,认为在官方监管中引入市场约束机制将有助于监管效率的提高,这得到巴塞尔新资本协议的首肯并已将市场约束作为有效银行监管“三大支柱”之一。本文从市场约束的有效性、市场约束促进银行监管效率提高以及运用市场约束完善银行监管三方面全面回顾西方学者的研究,并从中获得对我国银行监管的启示。 Since the 1980s of 20 century, there was an extensive discussion about the serious moral hazard resulted from the failure of official bank regulation and the process of banking safety net design in many countries. One of consensus of this discussion is that the market discipline can improve the regulation efficiency ,which is accepted by Basel committee as one of its three pillars of effective bank regulation. This paper reviews the theo- retical and experience research on the effectiveness of market discipline and then provides some implication for the banking regulation in China.

作者张强佘桂荣

机构地区湖南大学金融学院

出处《金融研究》 CSSCI 北大核心 2006年第10期98-105,共8页 Journal of Financial Research

关键词银行监管市场约束信息披露存款保险 bank regulation, market discipline, information disclosure, deposit insurance

分类号 F831.1 [经济管理—金融学]

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