重新界定商业银行分类监管的标准

Study on Redefining Regulatory Classification Standard of Commercial Banks

现行的商业银行分类监管"唯身份论",惯有的历史问题与现实监管缺陷存在明显的时代不适性与监管负效应,问题的根本就在于并没有形成一种有效的分类标准。从现行的分类监管框架出发,变革分类监管思路,坚持可行性原则设立分类标的,按照动态性原则定期调整等级,遵循差异性原则制定监管政策,依照导向性原则保证监管有效,进而重新界定分类监管标准体系,形成纵横交汇的网状监管构架,推动金融监管体制创新改革。从而推动金融业健康有序发展,更好地服务于经济建设。

The current regulatory classification of commercial banks “only identity theory”, Usual historical issues and reality regulatory defect obvious discomfort of the times and the negative effect of regulation , the fundamental problem is that not form an effective classification criteria .Starting from the classification of the current regulatory framework , change the Classification regula-tion ideas, adhere to the principle of the feasibility of setting up the subject of classification , in accordance with the principle of pe-riodic adjustment of the dynamic level , following the principle of the development of regulatory policy differences , in accordance with the guiding principle to ensure effective supervision , thus redefining the classification system of regulatory standards , form the vertical and horizontal intersection reticular regulatory framework , promote financial innovation and regulatory reform .