摘要
基于银监会统计年报的数据进行的测算表明,我国商业银行经历了以资产质量安全、利润高增长为典型特征的十年黄金发展历程,2014年后商业银行进入多项指标逆转的新阶段,转变背后蕴含着深刻的金融体制改革等催化因素。新阶段下银行业的资产质量仍然可控,但需要防微杜渐。银行业较实体工业企业获利能力更强,不利于收入结构合理分配。银行业利润适度降低是正常合理的,部分催化因素利好国民经济发展。未来需要进一步健全银行业法人治理结构,构建多层次的银行业分层结构,构建与银行业经营策略变化相匹配的宏观审慎监督体系,实现货币政策向价格型调控的转变。
Based on the calculated results from data of the CBRC Annual Report, banking industry in China has experienced a golden decade, which was characterized by safety assets and high growth profit, commercial banks is turning into a new stage of multi-index inversion after 2014, behind the transition there contains profound financial system reform and so on. Quality of banks asset is still controllable under the new stage, but need to prevent potential risk at the outset. Banks make more money than the industrial enterprises, which is adverse to reasonable allocation of income. It is normal and reasonable for bank＇s profits drop moderately, part of the factors is good to the development of the national economy. It is need to improve the corporate governance structure and establish hierarchical structure of banking industry in the future, as well as establish the macro prudential supervision system which matches with the change of bank＇s business strategy, realize the transformation of monetary policy to price regulation.
出处
《改革》
CSSCI
北大核心
2016年第3期61-73,共13页
Reform
关键词
金融监管
金融创新
宏观审慎监管
financial regulation
financial innovation
macro prudential supervision
