中国大、中小商业银行差异化资本监管效率实证研究

An Empirical Research on the Efficiency of the Differentiated Regulations on Capital in Chhinese Large and Small Commercial Banks

差异化监管是银行业差异化发展的客观需要。以中国大、中小商业银行差异化资本监管为研究对象,从稳定性、盈利性、公平性、发展性四个层次依次实证分析中国当前差异化资本监管政策的有效性。分析表明,在中国2009年至今资本充足率达到国际标准之后,差异化监管的关键已不在于数量上的施压,资本监管的数量调整已不能带来银行业多项指标的显著变化,而应加强对大、中小银行资本监管在结构上的差异化调整,提高中国资本监管的有效性。

The differentiation of regulations is essential to the differentiated development of commercial banking. With the differentiated regulations on cap- ital in large and small commercial banks as the research subject, an empirical a- nalysis is conducted on the efficiency of the differentiated regulation policies on capital from perspectives of stability, profitability, fairness and development potentials. It is found that since 2009 when the capital adequacy ratio met the inter- national standard, the key for differentiated regulations has no longer lay on the pressure of quantity. Changes in quantity of capital regulation would no longer dramatically influence banking indexes. Instead, differentiated modification on structure of banking capital regulation should be strengthened to promote the efficiency of regulations on capital in China.