制度建设:提高银行监管能力的基石

Institution Construction: The Foundation Stone to Improve the Capacity for Banking Supervision

银行监管制度具有信息、降低交易成本、激励和约束四种功能,也存在设计、维护、服从和结构四种类型的制度成本。制度过剩、制度不足和制度摩擦均会影响银行监管的效率,因此应从上述三个方面入手加强银行监管制度建设,提高银行监管的效率。

The bank＇s supervising institution has four functions： informing, reducing the transaction costs, incentive and disciplining. It also has four types of costs： designing, maintaining, complying and structuring. Oversupply, insufficiency and friction of the institution can all affect the efficiency of banking regulation. Therefore, in order to upgrade the efficiency of banking regulation, we should set out from these three aspects to strengthen the construction of banking regulatory institution.