中国银行监管效率改进趋势研究

Study of Improvement Tendency of Banking Regulation Efficiency in China

本文提出了以既定银行监管目标实现程度为银行监管效率的定义，构建了我国银行监管效率评价模型，通过选取1998-2007年的银行业数据，分析检验了银行监管效率水平的变化趋势。研究结果表明：在1998-2003年我国银行监管效率处于改进提升的状态，然后以2003～2005年为拐点呈略微下降，2005～2007年略成上升态势。从政策背景上看，在2004年前后我国先后出台了较为审慎的监管政策导致部分指标水平值下降，这成为影响银行监管效率趋势变化的制度性原因。

This paper puts forward a definition on banking regulation efficiency,which is realization degree of banking regulation targets.Based on this definition and the data from 1998 to 2007,this paper constructs a model for the improvement tendency of Chinese banking regulation efficiency.The study result shows that Chinese banking regulation efficiency increased firstly from 1998 to 2003,then decreased from 2003 to 2005 and increased again from 2005 to 2007.In the view of policy background,the main institutional reason of regulation tendency decrease is that Chinese government unveils some policies about regulation,which is much more strictly.