商业银行违规信息披露行为分析

当商业银行按照利润最大化原则确定的信息披露数量小于政府按照市场效率最大化原则确定的信息披露数量时,商业银行就产生了违规披露信息的动机,违规披露信息数量是两者的差额,是其违规披露信息的可能最大数量。但政府不会容许其存在,会通过提高执法严厉程度减少它,减少的最优数量决定于强制商业银行减少违规披露信息导致的社会边际成本等于社会边际收益。这表明,剩余的违规信息披露数量是政府所容许的,是商业银行的最优违规信息披露数量。

Study on the Information Publishing Behavior of the Commercial Bank that Violate the Rules

When that the commercial bank publish information quantity according to the maximize profits principle is smaller than the government compulsive information publishing quantity according to the maximize market efficiency principle,the commercial bank produced the motive of the publishing information that violate the rules,its quantity is both of difference in amount,is the publishing information of may biggest quantity that violate the rules.But the government can't allow its exist,can pass to increase the law scathing degree to reduce it,the decreasing of superior quantity is decided by the social marginal cost and the social marginal revenue that force the finance organization reduce the publishing information quantity that violate rules.This expresses,the surplus quantity that violate the rules is allowed by the government,is the superior quantity that violate the rules of the financial organization.