商业银行监管处罚:趋势、特征与启示

Regulatory Penalties of Commercial Banks:Trend,Characteristics and Implications

近期各类商业银行违法违规“乱象”的出现不仅破坏金融体系本身的稳定性,也严重影响到实体经济的持续健康发展。本文以2008~2020年间我国上市商业银行为研究对象,通过其接受监管处罚次数、处罚原因类型、处罚方式、处罚机构等多维度分析,以及银行历史数据和所有上市公司数据的横纵向对比分析,深入考察商业银行监管处罚的趋势和特征。本文从监管结果视角探究监管关注的重点领域并探寻可能存在的监管薄弱环节,在此基础上提出“十四五”时期提高商业银行监管水平,提升金融安全发展能力的建议。

The recent emergence of"chaos"in violation of laws and regulations by various commercial banks not only undermines the stability of the financial system itself,but also seriously affects the sustained and healthy development of the real economy.This article takes China's listed commercial banks from 2008 to 2020 as the research object.Through a multi-dimensional analysis of the number of regulatory penalties,penalties types,penalties methods,penal institutions,etc.,as well as a horizontal and vertical comparative analysis of historical bank data and data of all listed companies,this article thoroughly examines the trends and characteristics of regulatory penalties for commercial banks.Besides,this article explores the key areas of regulatory concern from the perspective of regulatory results and explores possible regulatory weaknesses.On this basis,it puts forward suggestions for improving the regulatory level of commercial banks during the"14th Five-Year Plan"period and enhancing financial security development capabilities.