【摘要】：近年來國際銀行的不當行為問題受到各國監(jiān)管機構(gòu)日趨嚴格的審查。文章界定了不當行為風(fēng)險的定義,分析了國際銀行行為成本的表現(xiàn)以及不當行為風(fēng)險對金融穩(wěn)定的影響。研究發(fā)現(xiàn),不當行為風(fēng)險的關(guān)注點在于消費者,在行為后果上強調(diào)行為本身帶來的一系列負外部性;戰(zhàn)略風(fēng)險和聲譽風(fēng)險分別是不當行為風(fēng)險的可能誘因及后果;操作風(fēng)險、法律合規(guī)風(fēng)險與不當行為風(fēng)險既有聯(lián)系又有區(qū)別;國際銀行近年因不當行為所產(chǎn)生的成本已達到相當大的規(guī)模,行為成本可以大致作為銀行倫理道德的衡量指標;不當行為風(fēng)險及相關(guān)處罰還可能對金融穩(wěn)定產(chǎn)生難以估量的影響。文章有益于中國銀行業(yè)和監(jiān)管層深化認識不當行為風(fēng)險問題的嚴峻性,為行為成本概念的標準化、銀行道德行為水平評估和判斷不當行為風(fēng)險防控是否有效提供參考依據(jù),并通過該風(fēng)險的治理以提高消費者福祉、防范系統(tǒng)性風(fēng)險和維護金融穩(wěn)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.
【作者單位】： 北京大學(xué)國家發(fā)展研究院;中國工商銀行博士后科研工作站;中國工商銀行內(nèi)控合規(guī)部;
【基金】：中國博士后科學(xué)基金項目(2016M601091) 教育部人文社會科學(xué)研究青年基金項目(16YJC30185)
【分類號】：F831.1

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