金融机构的内在脆弱性分析

本文认为,信息不对称所导致的储户信心以及金融机构资产选择中的内在问题使得金融中介机构具有内在脆弱性或不稳定性,从而使得金融风险不断产生和积累,并最终可能引发金融危机。增强金融机构的稳定性是金融监管的核心,而通过监管增强金融机构的稳定性,可从五个方面入手,即建立金融机构经营的安全网,尽量减少道德困境,加强金融监管以限制银行承担过度的风险,强化信息披露标准以增强金融机构经营的透明性以及开展金融监管的国际性合作。

On the Inherent Instability of Financial Institutions

Problems of depositor confidence and of financial institution,s asset-selection,which are caused by the unsymmetry of information,make financial institutions instable inherently.This instability may lead to risks,and financial crisis at its worst.The goal of financial supervision is to increase the stability of financial institutions,and this goal can be achieved through measures listed below:first,to establish a security network for the business of financial institutions;to decrease the situation of "morality dilemma";to strengthen the financial supervision;to set rigid standard for the information revealing;to carry out the international cooperation in the field of financial supervision.