银行业不当行为风险、行为成本与金融稳定——全球金融行为监管和风险治理的焦点领域
发布时间：2019-03-06 07:44
【摘要】：近年来国际银行的不当行为问题受到各国监管机构日趋严格的审查。文章界定了不当行为风险的定义,分析了国际银行行为成本的表现以及不当行为风险对金融稳定的影响。研究发现,不当行为风险的关注点在于消费者,在行为后果上强调行为本身带来的一系列负外部性;战略风险和声誉风险分别是不当行为风险的可能诱因及后果;操作风险、法律合规风险与不当行为风险既有联系又有区别;国际银行近年因不当行为所产生的成本已达到相当大的规模,行为成本可以大致作为银行伦理道德的衡量指标;不当行为风险及相关处罚还可能对金融稳定产生难以估量的影响。文章有益于中国银行业和监管层深化认识不当行为风险问题的严峻性,为行为成本概念的标准化、银行道德行为水平评估和判断不当行为风险防控是否有效提供参考依据,并通过该风险的治理以提高消费者福祉、防范系统性风险和维护金融稳定。
[Abstract]:In recent years, the misconduct of international banks has been more and more strictly examined by national regulators. This paper defines the definition of the risk of misconduct, analyzes the performance of the cost of behavior of international banks and the impact of the risk of misconduct on financial stability. It is found that the focus of the risk of misconduct lies in the consumers, emphasizing a series of negative externalities brought by the behavior itself, strategic risk and reputation risk are the possible causes and consequences of the risk of misconduct, respectively. The operational risk, the legal compliance risk and the misconduct risk are related and different, the cost of international banks' misconduct has reached a considerable scale in recent years, and the cost of behavior can be used as a measure of bank ethics and ethics. Risk of misconduct and related penalties may also have an incalculable impact on financial stability. This paper is beneficial to the Chinese banking industry and regulators to deepen their understanding of the severity of the problem of misconduct risk, and to provide a reference basis for standardizing the concept of behavior cost, evaluating the level of bank moral behavior and judging whether the prevention and control of misconduct risk is effective or not. And through the risk of governance to improve consumer well-being, prevent systemic risks and maintain financial stability.
【作者单位】： 北京大学国家发展研究院;中国工商银行博士后科研工作站;中国工商银行内控合规部;
【基金】：中国博士后科学基金项目(2016M601091) 教育部人文社会科学研究青年基金项目(16YJC30185)
【分类号】：F831.1
本文编号：2435334
[Abstract]:In recent years, the misconduct of international banks has been more and more strictly examined by national regulators. This paper defines the definition of the risk of misconduct, analyzes the performance of the cost of behavior of international banks and the impact of the risk of misconduct on financial stability. It is found that the focus of the risk of misconduct lies in the consumers, emphasizing a series of negative externalities brought by the behavior itself, strategic risk and reputation risk are the possible causes and consequences of the risk of misconduct, respectively. The operational risk, the legal compliance risk and the misconduct risk are related and different, the cost of international banks' misconduct has reached a considerable scale in recent years, and the cost of behavior can be used as a measure of bank ethics and ethics. Risk of misconduct and related penalties may also have an incalculable impact on financial stability. This paper is beneficial to the Chinese banking industry and regulators to deepen their understanding of the severity of the problem of misconduct risk, and to provide a reference basis for standardizing the concept of behavior cost, evaluating the level of bank moral behavior and judging whether the prevention and control of misconduct risk is effective or not. And through the risk of governance to improve consumer well-being, prevent systemic risks and maintain financial stability.
【作者单位】： 北京大学国家发展研究院;中国工商银行博士后科研工作站;中国工商银行内控合规部;
【基金】：中国博士后科学基金项目(2016M601091) 教育部人文社会科学研究青年基金项目(16YJC30185)
【分类号】：F831.1
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