中国银行业监管效率分析

An Analysis on the Efficiency of China's Banking Supervision

本文在分析银行业监管的直接成本、间接成本和由此导致的社会效率损失基础上 ,运用金融抑制和金融约束理论 ,对中国银行业监管的效率进行了深入阐述 ,认为目前中国银行业监管制度所带来的效率是中等 ,但存在的风险和危机因素也不可忽视。

Based on the analysis of direct and indirect cost of banking supervision and its losses of social efficiency, this paper analyzes the efficiency of banking supervision in China by using the theory of financial suppress and financial restraint. The conclusion is that the efficiency of China's banking supervision system is moderate while the existing risk and crisis factors couldn't be ignored.