摘要
近年来,银行不当行为风险事件层出不穷,成为影响金融体系稳定的重要因素之一。虽然各国监管当局加强了对于不当行为风险的监管和治理,但受制于监管资源和"外部人"等局限,效果不明显。2009～2017年间,美国和欧洲监管机构针对银行业各种不当行为的罚款已高达3420亿美元。本文从社会学视角,分析了银行文化资本与不当行为之间的逻辑和交互机制,并结合国际最新实践,提出了充实银行文化资本,降低不当行为风险的框架和改进建议。
In recent years,bank misconduct risk events have become one of the most important factors affecting the stability of the financial system.Although regulation authorities all over the world,have strengthened the governance of misconduct risk,because of limited regulatory resources and shortage of acknowledging for banking's internal affairs,the practical effect is not as good as expected.Among 2009 to 2017,US and European regulators had imposed fines on the banking industry of $342 billion in this field.From the perspective of sociology, this article analyzed the mechanism of interaction between bank cultural capital and misconduct,and proposed policy recommendations based on international experience.
出处
《浙江金融》
2018年第11期3-10,共8页
Zhejiang Finance
关键词
不当行为
文化资本
文化监管
Misconduct Risks
Capital of Culture
Cultural Supervision
