我国金融监管的制度稀缺与制度创新

The Institutional Scarcity and Innovation in Financial Supervision

制度本身是一种稀缺资源,好的制度具备信息、降低交易成本、激励和约束四大功能。在我国经济体制转型时期,制度稀缺是我国的基本国情,而当前我国的银行风险很大程度上是监管制度短缺性风险。本文对我国金融监管制度创新的必要性进行了分析,并从建立风险性监管制度、激励型监管制度、规范监管操作和监管行为、建立金融监管的再监督机制等方面提出了监管制度创新的设想。

Institution itself is a kind of scarce resources,and a good institution has four functions:information,de-creasing exchange cost,incentive and restriction.In the period of economic transition of China,institution scarcity is the prevalent phenomenon,and to a great extent Chinese bank risk was attribute d to the scarcity of banking supervision.In this paper,the authors analyze the necessity of institution innovation in financial surveillance,and put forward suggestions for institutional innovation of supervision,in order to establish risk and incentive surveillance rules,standardize supervi-sion operation and behavior,and set up resupervision institutions,etc.