金融消费者权益保护对银行稳健性的影响研究——基于美国银行业数据的实证检验

Research on the Impact of the Protection of Financial Consumers' Legal Rights on Bank Stability——Empirical Evidence from U.S. Banks

利用美国金融消费者保护局公布的金融投诉数据库和定期发布的年度报告中的数据,构建了能够反映美国金融消费者权益保护水平的指标,采用美国40家商业银行2012-2015年的面板数据进行了实证分析,结果显示,金融消费者权益保护水平的提升能够显著增强商业银行的稳健性,我国应当将金融消费者权益保护工作体系纳入银行业宏观审慎管理框架。

This paper builds indicators that reflect the level of the protection of financial consumers＇ legal rights by using the data from the financial complaint database and the annual work report published by the CFPB and conducts an empirical analysis by using a sample of 40 banks during 2012 -2015. The result shows that the enlightenment that the improvement of the protection of financial consumers＇ legal rights can significantly increase bank stability. China should introduce the protection of financial consumers＇legal rights into the macro - prudential management framework of banking industry.