逆周期拨备:来自西班牙的经验借鉴及启示

Counter-cyclical Provision:A Case in Spain

本文以西班牙如何通过逆周期拨备来实施宏观审慎监管为研究出发点,对逆周期拨备体系、计算模型以及在宏观审慎监管中所发挥的作用进行了研究,并对我国建立逆周期宏观审慎监管体系提出了政策建议,目的是为我国在宏观审慎监管中建立逆周期机制提供借鉴。

This paper starts at how foreign countries use counter-cyclical tools in macroprudential supervising.We analyzes the system of counter-cyclical provision,models and how it acts as a macroprudential tool in Spain,also we provides the proposals for China.We aims to provide a good case for building counter-cyclical mechanism in China.