激励规制理论与商业银行监管

A Discussion about the Incentive & Regulation Theory and the Supervision of Commercial Banks

激励规制理论认为,消除规制与被规制机构之间的信息不对称问题,关键是激励规制制度的建立要使两者的目标尽可能保持一致。激励规制理论中的事先承诺制在我国银行监管中的引入就较好地符合了这一要求,从而有助于提高监管效率,防范金融风险,促进社会福利最大化。

The Incentive & Regulation Theory holds that the key to the elimination of the information asymmetry between the regulator and the regulated institution is to bring about the tacit agreement of their targets through the operation of the incentive & regulation mechanism. The Pre-commitment Approach in the Incentive & Regulation Theory, which is being put into practice in our banking regulation, just satisfies this requirement. It has been proved that this approach is of a great help to the increase of the efficiency of regulation, the prevention and elimination of financial risks, and the maximization of social welfare.