摘要
作为一项公共政策,银行监管的目的是稳定金融秩序和保护公众利益。如何保证监管质量、降低监管成本,是摆在每个银行监管当局面前的紧迫课题。本文以风险为核心银行监管理念为指导思想,通过对发达国家银行监管的经验和中国《股份制商业银行风险评级体系》、《商业银行风险预警指标体系》进行分析和对比,认为提高监管质量和降低监管成本必须进一步完善银行监管中的风险评估与评级环节。
As a public policy, the objective of bank supervision is to maintain the stability of financial system and to protect public interests. How to assure the quality of supervision and at the same time lower the supervision costs are challenges faced by regulatory authorities in all countries. After compared the bank supervision experiences and practices in developed countries and the newly published “Provisional Risk Assessment System for Joint-Stock Commercial Banks” and “Commercial Bank Risk-Forecasting Index System”, this paper proposes that it is necessary to improve risk assessment rating system in order to raise supervision quality and reduce supervision burden to the banks.
出处
《南开管理评论》
CSSCI
2005年第5期63-66,共4页
Nankai Business Review