金融包容理念下的中国银行监管研究

The Research of China's Banking Regulation in the Concept of Finacial Inclusion

金融包容作为后危机时代国际金融领域重要的新理念,是平衡金融体系安全、效率和公平的标准。以金融包容理念下当前中国银行监管变革所产生的影响和未来发展方向为研究对象,通过运用面板模型,对中国14家上市银行2006年末至2014年末数据进行分析,研究发现监管标准的变化反而降低了全体样本银行和非系统重要性银行的安全,对系统重要性银行的影响不显著。因此,当前急需树立包容性监管理念,以金融包容理念来构建金融监管体系,将提高金融包容与维护银行体系稳定、保护存款人利益、增加贫困低收入人群多种金融包容服务为目标,大力发展非系统重要性银行,尤其是中小型银行等机构,并实行监管差异化,加强监管有效性等。

As a new significant concept in the international financial era,financial inclusion is a standard for balancing financial system among security, efficiency and fair choice mesure. This paper studies the impact of regulatory changes of bank of China and the future development direction in the concept of financial inclusion. We use panel model to analyze the data of 14 listed banks in China from the year 2006 to 2014. The research finds that the change of regulatory standards reduce all the sample banks and non systemically important banks＇security, it has no significant effect on systemically important banks. Therefore, the current financial law needs to establish inclusive regulatory philosophy, with the concept of financial cial inclusion to maintain the stability of the banking inclusion to build financial regulatory system to improve finansystem and protect the interests of depositors. Increaseing variety financial inclusion services of poverty and low income people as the goal, and vigorously develop the non systemically important banks especially small and medium banks and other institutions, and carry out the regulatory differences