监管改革对国际银行业的影响与中国的应对策略

发布时间：2018-11-22 14:40

【摘要】：从逆周期、宏观审慎角度加强监管是危机后的共识。监管改革使全球银行业将面临资本充足率下降、融资需求巨大,融资成本被推高的难题。从中长期来看,银行还将面临贷款增长疲软的境况,中间业务将是未来盈利关键,业务模式将回归简单化和本土化等。然而,巴塞尔Ⅲ没有触及金融危机发生的根本制度性原因,即以美元货币为主导的货币体制引发的经济失衡,没有解决宏观审慎和微观审慎之间的监管协调问题,对于跨境金融监管合作和混业监管问题也还没有提出有效的措施。为应对改革对银行业产生的长期结构性影响,中国政府可考虑创新融资方式,建立资本保险机制、允许资产证券化等举措,为中国银行业资本募集创造良好的条件,中国银行业则须从成本缩减、业务模式转换、重新考量流动性等方面全面应对。
[Abstract]:From the counter-cyclical, macro-prudential point of view to strengthen regulation is the consensus after the crisis. Regulatory reform will put the global banking sector facing a difficult problem of falling capital adequacy, huge financing needs and higher financing costs. In the medium to long term, banks will also face weak loan growth, intermediate businesses will be key to future earnings, and business models will return to simplicity and localization. However, Basel III has not touched on the fundamental institutional causes of the financial crisis, that is, the economic imbalance caused by the monetary system dominated by the US dollar currency, and has not solved the problem of regulatory coordination between macroprudential and microprudential. No effective measures have been put forward for cross-border financial supervision cooperation and mixed supervision. In order to cope with the long-term structural impact of the reform on the banking sector, the Chinese government may consider innovative financing methods, establish a capital insurance mechanism, allow asset securitization and other measures to create favorable conditions for capital raising in China's banking sector. China's banking sector will have to deal with cost cuts, business model shifts, and reconsidering liquidity.
【作者单位】：中国银行战略发展部;
【分类号】：F831.2

【相似文献】