我国银行业监管收费激励相容性分析

Analysis on the Incentive Compatibility of Regulatory Charges in China’s Banking Industry

激励相容监管是国际银行业监管演进必然趋势。我国银行业监管中存在严重的激励缺失问题,监管收费就是典型的一例。一个激励相容性监管收费方案应该考虑到被监管者具体情况:风险控制水准、经营效率、公司前景各个方面,然后采用一些具体的指标进行量化,并采取一些惩罚机制,让被监管者采取合作态度,不敢隐瞒自己的风险情况。

Incentive-compatible regulation is an inevitable trend in the progress of international banking regulation.In nowadays China’s banking regulation many systems have caused a loss of incentive,including the regulatory charge system.The author thinks that to formulate a regulatory charge system with incentive compatibility,we should consider the specific conditions of regulated institutions in aspects of risk control level,operational efficiency,prospect of company,etc,and then quantify these aspects with some specific indexes as well as adopt some penalty mechanisms so that the regulated institutions will cooperate with the regulator to disclose the risks in their operation.