金融自由化与银行风险经营

Financial Liberalization and Bank Risk

本文分别通过理论分析和实证检验 ,证实金融自由化会降低银行谨慎投资收益 ,而扩大银行风险投资动力。因此 ,为维持银行部门乃至整个金融体系的稳定 ,政府应加强对银行部门的监管 ,同时扩大监管范围 ,建立一套涵盖面较广且行之有效的金融监管体系。

In this essay, we confirm from the theories and empirical analysis that the banks will reduce the prudent investments and enlarge the risky investments after Financial Liberalization. So it is very important for the governments to supervise the banks activities.