摘要
巴塞尔银行监管委员会将市场约束、最低资本要求和政府监管并列为银行监管的三大支柱。银行市场约束的主体是存款人和次级债券持有人。对市场约束机制的一般原理、存款人与次级债券持有人对银行的市场约束机制以及市场约束与政府监管关系的相关研究进行述评,从中可以得到我国加强银行市场约束机制的启示。
Basel Banking Supervision Committee stipulated that the market discipline, the minimum capital requirement and government supervision be the three pillars of bank supervision. This paper comments on the general theory of the market discipline mechanism and the market discipline enforced by depositors and subordinated debt holders as well as the relations between market discipline and government supervision. In addition, this paper provides some inspirations for reinforcing China＇s market discipline mechanism.
出处
《审计与经济研究》
CSSCI
北大核心
2009年第4期95-101,共7页
Journal of Audit & Economics
基金
上海外国语大学校级重大科研项目(KX161022)
关键词
银行
市场约束
存款人
次级债券持有人
政府监管
bank
market discipline
depositors
subordinated bond holders
government supervision
