發(fā)布時(shí)間：2019-06-14 17:37

【摘要】：長(zhǎng)期以來(lái),盡管各成員國(guó)之間差異巨大,但歐盟金融結(jié)構(gòu)總體上呈現(xiàn)銀行主導(dǎo)的特征。國(guó)際金融危機(jī)沖擊下歐洲金融體系的動(dòng)蕩表明,歐盟銀行主導(dǎo)的金融體系并不完美。一方面,對(duì)銀行業(yè)的過(guò)度依賴會(huì)因銀行監(jiān)管和市場(chǎng)出清機(jī)制的不足導(dǎo)致系統(tǒng)性風(fēng)險(xiǎn)累積,增加金融系統(tǒng)的脆弱性;另一方面,又因缺乏一個(gè)替代性機(jī)制緩沖經(jīng)濟(jì)基本面所受到的沖擊,難以為經(jīng)濟(jì)復(fù)蘇提供必要的金融支持。因此,歐盟在通過(guò)銀行業(yè)聯(lián)盟確保銀行體系穩(wěn)定的同時(shí),著手借助資本市場(chǎng)聯(lián)盟的建設(shè)推動(dòng)資本市場(chǎng)發(fā)展,歐盟金融體系也因此啟動(dòng)了從銀行主導(dǎo)向銀行與市場(chǎng)并重的重大結(jié)構(gòu)轉(zhuǎn)型。
[Abstract]:For a long time, although there are great differences among member states, the financial structure of the European Union is generally bank-led. The turmoil in the European financial system under the impact of the international financial crisis shows that the EU bank-led financial system is not perfect. On the one hand, the excessive dependence on the banking industry will lead to the accumulation of systemic risks and increase the vulnerability of the financial system due to the lack of banking supervision and market clearing mechanism; on the other hand, it is difficult to provide the necessary financial support for economic recovery because of the lack of an alternative mechanism to cushion the impact of economic fundamentals. Therefore, while ensuring the stability of the banking system through the banking union, the European Union has begun to promote the development of the capital market with the help of the construction of the capital market alliance, and the EU financial system has therefore launched a major structural transformation from bank dominance to equal emphasis on banks and markets.
【作者單位】： 中國(guó)社會(huì)科學(xué)院歐洲研究所;
【分類號(hào)】：F835

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