摘要
逆周期的金融宏观审慎管理制度是为了降低市场的波动性而提出的一个方案,其意义在于对目前越来越多的经济过热或金融危机现象进行合理调控,发挥其在提高金融系统的稳定性、避免系统性金融风险的发生以及保持宏观经济发展的稳定性等方面的作用。该制度的核心是通过在资本充足率、不良贷款率、动态拨备覆盖率、流动性比率、混业经营这5个方面的调控,以逆周期的方式促进宏观经济平稳发展,但同时要关注因动态拨备覆盖率缺乏一致标准、混业经营对风险控制的不利影响等因素对该制度的冲击。
Constructing the counter-cyclical financial-macro-prudential management system is the program that will reduce the market volatility. It is of great significance for the rational control on economic overheating and financial crisis. It also can play an important role in improving the stability of financial system, preventing the systematic financial risk and maintaining the stability of macro economic development. The core of this system is to promote the stable macro economic development by the control of capital adequacy ration, non-performing loan ration, dynamic provision coverage, liquidity ration and mixed operation. At the same time, we should pay more attention to the impact on this system brought by the lack of standard of dynamic provision coverage and the adverse effect of mixed operation on risk control.
出处
《中国流通经济》
CSSCI
北大核心
2012年第11期121-125,共5页
China Business and Market
基金
北京市"商品与金融期货研究创新平台"项目阶段性研究成果
关键词
逆周期
金融
宏观审慎管理
counter-cyclical
finance
macro-prudential management
