宏观审慎监管框架对银行业的影响与启示

加强宏观审慎监管已成为后危机时代国际金融监管改革的主旋律。本文在介绍宏观审慎监管内容的基础上,深入分析了该监管对中国银行业带来的影响:资本质量要求提高,发展表外业务受限;动态拨备制度建立,挑战传统盈利模式;流动性要求提高,调整结构势在必行。据此提出应积极调整业务结构,构建资本节约型发展模式;实现综合化经营,推动业务转型;实施跨国经营,加快国际化进程。中国银行业还要特别关注监管与中国国情相适应,引进的工具方法与转变风险管理理念相统一,监管与宏观经济调控相结合。

The Influence of Macro-Prudential Regulation Framework on the Banking and the Inspiration

In the post-crisis period, strengthening macro-prudential regulation has become the main theme of international financial regulation reform. After expounding the contents of macro-prudential regulation, the paper deeply analyzes its influence on Chinse banking. For instance, tightened requirements for capital quality will restrict the development of off-balance sheet business; the dynamic provisioning system will challenge the traditional profit mode; the more stringent requirements for liquidity suggest a need for structure adjustment. Furthermore, the paper puts forward that commercial banks should proactively adjust business structure to establish a capital-saving development mode, accelerate comprehensive operation to push forward business transformation, and implement multinational operation to accelerate the process of internationalization. Chinese banking also needs to pay special attention to the adaptability of regulation policy to Chinese conditions. The introduced instruments and appraoches should be united with the change of risk management idea, and macro-prudential regulation is required to be in line with macro-control.