试论我国现行银行监管的制度缺陷及其纠正

On the System Defect of Our Current Bank Supervisory and Correcting

我国现行银行监管制度的根本缺陷在于中央银行监管主体的单一性及以行政监管代替市场约束,从而产生了监管成本过大、效率降低的问题。纠正这一制度缺陷的基本思路在于:塑造多元化的监管主体,建立各主体间的激励相容制度,同时实行中央银行在监管的某些方面适度退出,做到有所为,有所不为。

This paper thinks that the basic defect of our current bank supervisory system is Central Bank as the only body and replace the market retrain with administration ,and produced the paradox of supervising . And the basic train of thought of correcting this defect of system is lain in: Mould the pluralistic supervision subject , strengthen the market to retrain , make the Central Bank do some things, Leave some things undone.