论我国商业银行监管模式的选择与借鉴

The Choice and Reference on the Model of Regulation of Commercial Banks

银行监管的模式是银行监管制度的核心和灵魂。综合考虑我国银行业风险的现状,国际监管与国内金融改革的总体趋势,以及我国金融开放的整体要求,我国金融监管的模式选择,应以提高金融效率控制资本充足率为核心目标,充分规避金融风险,推进金融市场化法制进程,建立与国际惯例接轨的银行监管体系。

The model of banking supervision is the heart of banking supervision system.Considering the current situation of China's banking industry's risk,the trend of international regulatory development and domestic financial reform,as well as the overall requirements of our country's financial open to the world,so the selection of our country's financial supervision,should make improving the financial efficiency and controling the ratio of capital adequacy the core target,and fully to avoid financial risks,promote the project of financial market's lagal system,establishing the banking supervision system which line with the international practice.