【摘要】：本文以銀行發(fā)展為因變量,銀行監(jiān)管系列措施為自變量,影響銀行發(fā)展的其他重要因素為控制變量,構(gòu)建了銀行發(fā)展與銀行監(jiān)管的關(guān)系模型,利用數(shù)十個(gè)國(guó)家的數(shù)據(jù)實(shí)證檢驗(yàn)了銀行發(fā)展與銀行監(jiān)管的關(guān)系。結(jié)果表明:銀行業(yè)外部治理和監(jiān)管部門獨(dú)立性均能夠顯著促進(jìn)銀行發(fā)展;資本監(jiān)管和官方監(jiān)管對(duì)銀行發(fā)展的作用不明顯,銀行業(yè)務(wù)活動(dòng)的過(guò)高限制不利于銀行長(zhǎng)期發(fā)展;政府監(jiān)管的廉潔高效與金融行業(yè)的成熟、開(kāi)放有利于促進(jìn)一國(guó)銀行業(yè)的發(fā)展;中國(guó)目前銀行監(jiān)管的有效性水平總體偏低,需要構(gòu)建適應(yīng)中國(guó)經(jīng)濟(jì)發(fā)展模式轉(zhuǎn)型的審慎性銀行監(jiān)管制度。
[Abstract]:This paper takes bank development as dependent variable, banking supervision measures as independent variables, and other important factors affecting bank development as control variables, and constructs a model of relationship between bank development and bank supervision. The relationship between bank development and bank supervision is tested empirically by using data from dozens of countries. The results show that banking external governance and regulatory independence can significantly promote the development of banks, the role of capital supervision and official supervision on the development of banks is not obvious, and the excessive restriction of banking activities is not conducive to the long-term development of banks. The clean and efficient supervision of the government and the maturity of the financial industry are conducive to promoting the development of a country's banking sector; at present, the level of effectiveness of banking supervision in China is on the low side. It is necessary to construct a prudential banking supervision system adapted to the transformation of China's economic development model.
【作者單位】： 東南大學(xué)經(jīng)濟(jì)管理學(xué)院;廣東商學(xué)院金融學(xué)院;
【基金】：“全球化條件下中國(guó)新型金融監(jiān)管體系構(gòu)建及其有效性研究”(70973028) 教育部人文社科項(xiàng)目(07JC790022)的部分成果
【分類號(hào)】：F832.1;F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前5條

1 巴曙松;王t熲，

本文編號(hào)：2162321