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银行业顺周期形成机理与逆周期监管工具研究 被引量:8

Research on Formation Mechanism of Bank Industry Procyclicality and Counter-cyclical Regulation Instruments
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摘要 随着全球金融危机的爆发,银行业发展和监管面临严峻挑战。在宏观审慎监管下,实施逆周期监管,以缓解顺周期性对银行的影响。对金融系统顺周期性和银行逆周期监管的相关理论做了简单评述,重点分析了银行顺周期的形成机理,并在此基础上讨论了逆周期监管工具运行的基本原理、存在的缺陷以及在实际操作中面临的问题。这些工具主要包括资本约束工具、风险计量补充工具以及政策和制度改进工具等。 With the outbreak of the global financial crisis,the development and regulation of bank industry face serious challenges.This paper firstly remarks the theory of the financial system procyclicality and bank counter-cyclical regulation,and then analyses emphatically the formation mechanism of bank procyclicality.Based on the formation mechanism,this paper discusses the counter-cyclical regulation instruments in detail,including the basic principle,defects and the questions in practice.
作者 陈华 刘宁
出处 《创新》 2011年第1期46-53,共8页 Innovation
基金 山东省科技发展计划重点专项项目<创新及可持续发展山东产业集群研究>(2009GG2008023) 山东省软科学项目<山东半岛蓝色经济区产业结构升级的金融支持与金融创新研究>(2010RKA30-7)
关键词 银行顺周期性 逆周期监管 形成机理 工具 bank procyclicality counter-cyclical regulation formation mechanism instruments
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