金融业管制与竞争的均衡方向

根据政府对金融业的干预程度,存在四种不同的控制策略:市场约束、法院诉讼、管制实施、国家所有。选择何种方式最有效取决于金融制度可能性边界(IPF)的形状,即依赖于各国金融部门的特定状况。这又包括三个层面:一是与整个经济金融环境相联系层面上的金融业管制与竞争关系;二是产业层面相联系的金融业管制与竞争关系;三是单个金融机构层面上的管制与竞争关系。这三种层面是相互联系,共同构成一国金融业管制与竞争的蓝图,并决定了一国的金融管制效率。根据中国金融业的实际情况,指出中国金融业管制与竞争的均衡方向。

Equilibrium of Regulation and Competition in Financial Industry

According to the degree of government interfering with financial industry, there are four different controlling strategies: market restricting, court lawsuit, regulation implement and state owning. Which one are the most effective pattern for us to choose depends on the shape of IPF, videlicet, the special conditions of individual country's financial institutions. The relationship between financial industry competition and regulation can be divided into three types, the relationship of financial regulation and competition concerning with macroeconomic and financial environment, the relationship in the level of financial industry, and the relationship in the aspect of single financial institution. The three levels are related to each another, and constitute the framework of financial industry regulation and competition in one country, and determines the efficiency of financial industry in one country. According to Chinese practices of financial industry, it provides situation for Chinese financial regulation reforms.