宏观审慎监管框架下中国金融监管的政策选择——基于巴塞尔协议Ⅲ的视角

The Financial Regulation Policy for China under the Macro-Prudential Framework

国际金融危机让全球各主要经济体都深刻认识到维护金融体系稳定需要在现有微观审慎监管的基础上进一步加强和完善宏观审慎监管体系。巴塞尔协议Ⅲ对全球银行业控制系统性风险、维护金融系统稳定提出了更严格的监管要求。本文梳理了巴塞尔协议Ⅲ的主要内容,并结合中国银行监管现状,探讨了中国构建宏观审慎监管制度框架的路径。

After the outbreak of the global financial crisis, the main economic entities realized that it was badly necessary to reinforce and perfect the existing financial regulation system with the macro-prudential regulation as the main content integrating with the micro-prudential regulation to maintain the stability of the financial system. Basel III brought up much more severe regulation requests to the global banking industry on controlling the systematic risk and maintaining stability of the financial system. Through analysing the main content of Basel III and considering the situation of China banking, the article puts forward some views and suggestions on how to structure the macro-prudential framework with Chinese charac- teristics to bring banking industry into full play on promoting the economic development.