关于做好新常态下银行监管工作的几点思考

Reflections on Banking Supervision under New Normal

当前我国经济发展已进入新常态,如何推动银行业积极适应新常态,主动引领新常态,对监管者提出了更高的要求。做好新形势下银行监管工作,关键是要处理好十个关系:关于监管工作的目标,要坚持防范金融风险与服务实体经济相结合;关于监管工作的定位,要将监管政策与货币政策、财政政策等宏观调控政策相结合;关于监管的基本理念和指导思想,要坚持微观审慎监管与宏观审慎监管相结合、加强监管与鼓励创新相结合、注重监管的科学性与提高监管的艺术性相结合;关于监管的方式方法和具体要求,要注重原则导向与规则导向相结合、统一性与差异性相结合、机构监管与功能监管相结合、国际标准与中国实际相结合以及监管规制与监管实践相结合。只有正确处理好上述十个关系,才能进一步提高银行监管有效性,更好发挥金融这一现代经济的核心作用。

China＇ s economic development has entered a new normal. It puts forward higher challenge for the regulators on how to push the banking industry to adapt to the new normal. Ten relationships need to be well managed, since they are very important for carrying out banking regulations under the new situation. In terms of regulatory objectives, it needs to find the right balance between preventing financial risks and serving the real economy. In terms of regulation positioning, the regulatory policy needs to harmonize with macro - control policies, such as monetary policy and fiscal policy. In terms of basic regulatory methodology, it needs to maintain the combination of micro - prudential and macro - prudential supervision, balance between enhancing supervision and encouraging innovation, and focusing on scientific supervision while improving the art of supervision. In terms of regulatory approach and specific method, it needs to felicitously handling the following five relationships, namely the relationship between principle - based supervision and role - based supervision, between consistent and differentiated supervision, between institutional supervision and functional supervision, between international standards and China＇ s reality, between regulatory policy and supervisory practice. Only if the above ten relationships are properly managed can we further improve the effectiveness of banking supervision and make finance play the core role in modem economy.