我国银行监管成本的量化研究

A Quantified Analysis on the Cost of Bank Regulation in China

为了合理配置资源、维护公众利益、增强本国银行的竞争力,关注和度量银行监管成本正逐步成为各国趋势性的做法。本文参考英国金融服务局对监管成本的划分方法,结合我国银行监管实践,设计了一套衡量银行监管成本的指标体系,它包含直接成本、间接成本和扭曲成本三大类指标,并用之于量化分析我国银行监管成本。

In order to allocate resources in the most efficient way,protect public interest and strengthen the competitiveness of domestic banks, it has become trendy procedure gradually for most countries to pay attention to and undertake the cost analysis of bank regulation. According to the classified criteria of the UK Financial Services Authority and combining the practice of bank regulation in China, this article designs a series of indicators on measurement of the costs of bank regulation which includes three series of indicators, that is, direct cost, indirect cost and distortion Cost, and uses these indicators to make quantitative analysis on the cost of hank regulation in China.