摘要
中小银行因数量众多且风险集聚的显著特征,其监管问题已成为当前我国金融领域的重要挑战。强化股东监管作为提升中小银行监管效能的关键着力点,对防范系统性金融风险具有重要战略意义。本文分析了中小银行股东股权现状,并通过现行法律法规梳理中小银行股东监管发展趋势。在此基础上,深入剖析当前监管实践中存在的监管制度有待完善、监管处罚力度有限、股东行为监管滞后、部分股东履职能力欠缺、监管协同尚需提升等现实困境,并针对性提出中小银行股东监管的优化路径,旨在为深化中小银行治理改革、防范化解金融风险提供理论参考与实践指引。
Due to large numbers and significant risk concentration,the supervision of small and mediumsized banks(SMBs)have become a major challenge in China's financial sector.Strengthening shareholder supervi⁃sion is a key focus for improving the regulatory effectiveness of SMBs and is of great strategic importance for pre⁃venting systemic financial risks.This paper analyzes the current status of shareholder equity in SMBs and reviews the development trends in shareholder supervision of SMBs through existing laws and regulations.On this basis,this paper conducts an in-depth analysis of the current regulatory practices,identifying practical challenges such as the need for improvement in regulatory systems,limited enforcement of regulatory penalties,lagging oversight of shareholder behavior,insufficient capabilities among certain shareholders,and room for enhancement in regulatory coordination.It then proposes targeted optimization pathways for the regulation of shareholders in SMBs,aiming to provide theoretical references and practical guidance for deepening governance reforms in SMBs and mitigating fi⁃nancial risks.
作者
邓秀媛
魏涵昳
杜锦怡
Deng Xiuyuan;Wei Hanyi;Du Jinyi
出处
《西南金融》
北大核心
2025年第7期63-74,共12页
Southwest Finance
关键词
中小银行
股东监管
股权管理
股权结构
银行治理
关联交易
行为监管
系统性金融风险
small and medium-sized banks
shareholder supervision
equity management
equity structure
bank governance
related party transactions
conduct supervision
systemic financial risk
