中国金融稳定性监管变革的法律框架
发布时间：2018-07-13 12:59
【摘要】：新一轮不良贷款的快速增长与影子银行是中国金融稳定性风险的两个侧面,具体表现为中国金融体系中存在着的五个严重问题:被监管部门的不良贷款行为;松散的管理;由无流动资金担保的短期债权所支配的影子银行体系;在影子部门明显缺乏透明性;影子部门与被监管部门之间极高的互联性。提高金融稳定性必须通过一场金融监管大变革,以缓解当前金融分业监管方式带来的困境。而引入一个具有约束力的全方位的杠杆比率,保证银行持有更大份额的资本缓冲,是提高银行适应能力、降低不良贷款,并对抗银行与影子部门关联性的强有力的制度改进措施。
[Abstract]:The rapid growth of the new round of non-performing loans and shadow banking are two sides of the risk of China's financial stability, which are manifested in five serious problems in China's financial system: the non-performing loan behavior of the regulatory authorities, the loose management; A shadow banking system dominated by short-term debt without liquidity; a clear lack of transparency in the shadow sector; a high degree of connectivity between the shadow sector and the regulators. To improve financial stability, we must adopt a great reform of financial supervision to alleviate the predicament brought about by the current mode of separate financial supervision. The introduction of a binding all-dimensional leverage ratio to ensure that banks hold a larger share of capital buffers is to improve the adaptability of banks and reduce non-performing loans. And against the banks and the shadow sector of the strong institutional improvement measures.
【作者单位】： 上海交通大学凯原法学院;爱丁堡大学法学院;
【分类号】：D922.28
，
本文编号：2119454
[Abstract]:The rapid growth of the new round of non-performing loans and shadow banking are two sides of the risk of China's financial stability, which are manifested in five serious problems in China's financial system: the non-performing loan behavior of the regulatory authorities, the loose management; A shadow banking system dominated by short-term debt without liquidity; a clear lack of transparency in the shadow sector; a high degree of connectivity between the shadow sector and the regulators. To improve financial stability, we must adopt a great reform of financial supervision to alleviate the predicament brought about by the current mode of separate financial supervision. The introduction of a binding all-dimensional leverage ratio to ensure that banks hold a larger share of capital buffers is to improve the adaptability of banks and reduce non-performing loans. And against the banks and the shadow sector of the strong institutional improvement measures.
【作者单位】： 上海交通大学凯原法学院;爱丁堡大学法学院;
【分类号】：D922.28
，
本文编号：2119454
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