银行危机的蝴蝶效应、负外部性及其防治

对于银行突发事件,若处理不当则会演变成银行危机,乃至会对社会金融和经济产生严重影响。本文从内生性突发事件和外生性突发事件出发,探讨了“蝴蝶效应”导致发生局部银行危机的可能性;运用外部性经济学原理,对银行突发事件的负外部效应和风险溢出进行了探讨。对于突发事件与银行危机的解决,可以从监管机构与商业银行两个方面加强治理:对于监管机构而言,央行要发挥金融稳定职能实施外部援助,银行监管部门加强对商业银行的外部监督;对于商业银行而言,应加强内控机制建设,增强管理层对突发事件的预防和处置能力,防止工作人员道德风险的产生。

Butterfly Effect, Negative Externalities of Banking Crisis and Remedies

Banking emergency,if handled improperly,will deteriorate into banking crisis and will heavily affect the social finance and economy.This paper,from the perspective of intrinsic and extrinsic emergencies,explores the likelihood of regional banking crisis triggered by butterfly effect and discusses the negative externalities and risk overflow of banking crisis according to the external economic theory.To solve emergency and banking crisis,regulatory bodies and banks should strengthen supervision and management.On the part of regulatory bodies,the central bank should function well as a financial stabilizer and step in to aid,banking regulatory bodies should strengthen supervision over commercial banks from the outside and on the part of commercial banks,they should strengthen internal control mechanism,improve management's ability to prevent and handle emergencies and guard against occurrence of moral hazards among the staff.