| 银行监管与银行发展:理论与经验 |
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| 引用本文： | 陈勇勤,范国英.银行监管与银行发展:理论与经验[J].河北经贸大学学报,2009,30(2). |
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| 作者姓名： | 陈勇勤 范国英 |
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| 作者单位： | 1. 中国人民大学,经济学院,北京,100872
2. 中国工商银行,管理信息部,北京,100032 |
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| 基金项目： | 中国人民大学面向21世纪教育振兴行动计划（985计划），中国经济研究哲学社会科学创新基地资助项目 |
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| 摘 要： | 现代银行监管必须在保持金融稳定与提高金融效率之间进行权衡。从中国的实际情况来看,银行监管当局一直对银行机构的监管持审慎态度,市场准入监管比较严格。这种监管政策虽然在理论上限制了银行的竞争和发展,但却是监管当局为解决现有银行风险和保持金融稳定的一个较好政策选择。近年来中国为促进竞争而实行的利率自由化(市场化)政策至少在短期内对银行信贷的影响效果甚微。
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| 关 键 词： | 银行监管 银行发展 审慎监管 利率市场化 |
Banking Supervision and Development: Theory and Experiences |
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| Chen Yongqin,Fan Guoying.Banking Supervision and Development: Theory and Experiences[J].Journal Of Hebei University Of Economics and Trade,2009,30(2). |
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| Authors: | Chen Yongqin Fan Guoying |
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| Institution: | Chen Yongqin,Fan Guoying |
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| Abstract: | Modern banking supervision has to balance the financial stability and efficiency.From China's perspective,the banking supervision authority has been holding more prudent supervision policies,especially on the licensing.The policy in theory limits the competition and development in banking sector in China,but an alternative for keeping the balance between risk-taking and financial stability.Moreover,at least the interest rate liberalization policy has little impact on the banking credit in the short run. |
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| Keywords: | banking supervision banking development prudent supervision financial liberalization |
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