摘要
近年来,通过监管理念和监管方式的不断创新,中国商业银行监管的现状得以改善,但由于我国银行监管的发展历程毕竟短暂,因此在监管理念、监管技术等方面还存在一定的不足。为此,本文从提高我国银行监管成本-收益有效性的角度,提出了优化监管的路径选择:转变监管理念,从规则导向监管逐步向原则导向监管演进;改进监管方式,提高现场检查有效性,促进非现场监管系统升级改造,提高监管效率;强化市场力量,完善监管外部问责制;通过引入预先承诺制,建立起有效的市场退出新机制。
Continuous innovation in supervision notion and approaches has been improving the status of supervision on Chinese commercial banks. However, due to the short history of the domestic supervision development, there are many insufficiencies in the supervision notion and techniques. Therefore, from the perspective of enhancing the effectiveness of cost-benefit in Chinese banking supervision, the paper proposes an optimizing supervision approach： switching from a regulation-oriented philosophy to a principle-oriented one; improving the supervision methods to boost the effectiveness of on-site examination and upgrade the off-site supervision system; strengthening the market forces to perfect the extemal accountability system; introducing the pre-commitment system to set up an efficient market withdrawal mechanism.
出处
《金融论坛》
CSSCI
北大核心
2009年第7期18-24,共7页
Finance Forum
关键词
商业银行
银行监管
现场检查
非现场监管
外部问责
预先承诺
commercial bank
banking supervision
on-site examination
off-site supervision
external accountability
precommitment
