金融包容理念下的中国银行监管研究

发布时间：2018-03-11 00:13

本文选题：金融包容　切入点：金融监管　出处：《经济问题》2016年05期 　论文类型：期刊论文

【摘要】：金融包容作为后危机时代国际金融领域重要的新理念,是平衡金融体系安全、效率和公平的标准。以金融包容理念下当前中国银行监管变革所产生的影响和未来发展方向为研究对象,通过运用面板模型,对中国14家上市银行2006年末至2014年末数据进行分析,研究发现监管标准的变化反而降低了全体样本银行和非系统重要性银行的安全,对系统重要性银行的影响不显著。因此,当前急需树立包容性监管理念,以金融包容理念来构建金融监管体系,将提高金融包容与维护银行体系稳定、保护存款人利益、增加贫困低收入人群多种金融包容服务为目标,大力发展非系统重要性银行,尤其是中小型银行等机构,并实行监管差异化,加强监管有效性等。
[Abstract]:Financial inclusion, as an important new concept in the international financial field in the post-crisis era, is to balance the security of the financial system. The standard of efficiency and fairness. Taking the impact and future development direction of China's banking supervision reform under the concept of financial inclusion as the research object, through the use of panel model, By analyzing the data of 14 listed banks in China from end of 2006 to end of 2014, it is found that the change of regulatory standards reduces the safety of all sample banks and non-systemically important banks, and has no significant impact on systemically important banks. It is urgent to set up the concept of inclusive supervision and establish a financial regulatory system based on the concept of financial inclusion, which aims at enhancing financial inclusion and maintaining the stability of the banking system, protecting the interests of depositors, and increasing the number of financial inclusion services for poor and low-income people. We should develop non-systemically important banks, especially small and medium-sized banks, and implement the differentiation of supervision and strengthen the effectiveness of supervision and so on.
【作者单位】：山西财经大学;太原科技大学;
【基金】：国家自然科学基金项目“基于新监管标准的我国商业银行资本和流动性监管研究”(71173140) 山西省软科学研究项目“基于企业技术创新的科技金融耦合机制研究”(2015041012-4)
【分类号】：F832

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