银行监管的成本—效益分析

Cost-Benefit Analysis of Bank Supervision

在我国,银行业改革全面进入"后WTO过渡期"的背景下,国内银行业面临更大的挑战,银行监管的重要性也尤为突出。银行监管成本包括监管引起的直接资源成本和监管引起的间接效率损失。应通过建立和完善我国银行监管组织体系、完善我国监管体系的法律法规、设置合理的监管机构等途径,降低监管成本,提高监管效益。

In the background of post transition of WTO after the full revolution of bank, the domestic banking industry is facing greater challenge, especially the importance of bank supervision. Bank supervision cost includes the direct source cost and indirect efficiency loss which were caused by the supervision. Bank supervision organization system should be founded and laws, rules and reasonable intuitions should be perfected. The cost should be lowered and benefit should be improved.