| 中国商业银行资本监管:制度变迁和效果评价 |
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| 引用本文： | 王胜邦,陈颖.中国商业银行资本监管:制度变迁和效果评价[J].国际金融研究,2009(5). |
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| 作者姓名： | 王胜邦 陈颖 |
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| 作者单位： | 中国银监会国际部; |
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| 摘 要： | 资本监管是审慎银行监管的核心。上个世纪90年代以来,我国监管当局开始建立并逐步改进资本监管制度。本文分银行体制商业化转型初期、市场化银行体制形成时期、银行体系日益国际化时期三个阶段,对我国商业银行资本监管制度变迁过程进行系统性考察,全面评估不同时期资本监管的效果。本文认为,国有银行改革、银行体系开放、增强银行体系稳健性和资本监管制度与国际标准接轨四个方面因素的相互作用,为资本监管制度变迁注入的动力,决定了资本监管制度演进的方向;资本监管制度的变革既反映监管当局风险监管理念的进步,也体现了监管当局为增强银行体系稳健性、推动银行业改革和促进经济增长等多目标同时实现所做的持续努力和必要妥协。
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| 关 键 词： | 资本充足率 制度变迁 1988年资本协议 新资本协议 |
Capital Regulation of Commercial Banks in China: Institutional Evolution and a Review of Effectiveness |
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| Wang Shengbang Chen Ying.Capital Regulation of Commercial Banks in China: Institutional Evolution and a Review of Effectiveness[J].Studies of International Finance,2009(5). |
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| Authors: | Wang Shengbang Chen Ying |
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| Abstract: | Capital regulation is the core of prudential banking regulation. Since 1990s, Chinese banking authority has been establishing and improving the capital regulatory institution. This paper analysis the evolution of capital regulation of commercial banks systematically and reviews the effectiveness of the capital regulation in three different phases respectively, namely, the preliminary phase of commercialization of banking system, the adoption of the market oriented banking system, and the gradually internati... |
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| Keywords: | Capital Adequacy Institutional Evolution 1988 Capital Accord Basel II |
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