金融监管治理:问题、机制与评估

Study on Financial Regulatory Governance

金融监管已从过去强调监管干预和控制发展为监管治理,其治理问题包括政府行为及其效率、央行和存款保险机构与金融监管机构的协调状况、监管与被监管机构间的博弈和寻租行为等引起的金融监管宽容及有害监管,以及因金融监管的巨大外部性导致的监管治理效率评估难度较大等。完善的金融监管治理机制应体现独立性、透明性要求,包括对监管机构的制衡及国际金融监管的协调机制等。

Financial supervision has changed from regulatory intervention and control to regulatory governance, which includes government behavior and its efficiency, the coordination of central bank, deposit insurance institution and financial regulatory institutions, regulatory forbearance and harmful regulatory caused by game and rent-seeking behaviors between regulatory institutions and recipients, great difficulty on evaluation of regulatory governance, etc. A perfect financial regulatory governance mechanism should be independent and transparent, hence, it should include balance mechanism among regulatory institutions and coordination mechanism of international financial regulatory.