新形势下我国政府对银行风险的监管研究

Research on Chinese Government Supervision of Bank Risks in the New Situation

十八大以来,在党中央的决策部署下,我国开启了新一轮的金融监管体制改革,强化统筹协调监管,逐步形成了"一委一行两会"的新金融监管框架,同时,金融市场的全面开放也对我国金融监管提出了更高的要求。银行系统作为金融系统的核心,其稳健运行关系到整个金融体系的稳定发展,加强其政府监管尤为重要。基于此,本文以我国上市商业银行为样本,运用固定效应模型,将政府监管、市场竞争和银行风险纳入同一框架下进行了分析。在新形势下,银行业应加快形成联动的监管体系,提高监管的科技含量,逐步实现由单一到分级银行牌照制度的过渡,加强宏观审慎监管与微观审慎监管相结合,完善市场机制,从而更好地防范金融风险,以适应金融新业态的发展。

A new round of financial supervision system reform has been initiated in China under the decision-making and deployment of the Party Central Committee,strengthening overall coordination and supervision,and gradually forming a new financial supervision framework of"One Board,One Bank and Two Commissions",the comprehensive opening of the financial market also puts forward higher requirements on financial supervision.As the core of the financial system,the banking system’s sound operation is related to the stable development of the entire financial system.Based on this,this paper takes commercial banks as samples to analyze government supervision,market competition and bank risks under the same framework.The banking industry should accelerate the improvement of the supervision system,increase the technological content of supervision,strengthen the combination of macro-prudential supervision and micro-prudential supervision,prevent financial risks well to adapt to the development of new financial formats.