村镇银行金融监管的一个理论分析框架

A Theoretical Framework for Financial Regulation of Village Bank

从村镇银行特征出发,构建银监会与村镇银行信贷经理人之间的博弈模型,求解出村镇银行信贷经理人违规放贷概率的函数,分析各因素的影响机制,得出村镇银行的监管范式是实施威慑性外部人监管。

Based on the features of Village Bank, this paper constructs a Game Mode between the China Banking Regulatory Commission （CBRC） and the credit manager of Village Bank, to work out the Proba- bility Function of credit managers illegal lending and to analyze the influential mechanisms of various fac- tors so that we can conclude a fact that the regulatory paradigm of Village Bank is implementing a deter- rent external supervision.