当代银行资本监管理论及其新进展

银行业作为世界上监管最严的行业之一,其资本在保持银行稳健和风险承担方面所起的作用,以及在银行公司治理中所起的作用,使得对银行资本监管尤其重要。为了实现合理和有效的资本监管,银行内部风险资本模型和有效监管当局的审查相结合这种模式将是银行资本监管的趋势,市场约束将处于相对次要的地位。

The Bank Capital Supervising Theory and Its Late Progress

Owing to the role that bank capital plays in stabilizing finance and banking as well as in managing banking companies, it is of great importance to supervise the bank capital. In order to guarantee a reasonable and effective supervising system, a combined supervising model of inside-risk-controlling and outside supervising authority will be taken as a trend, which leaves market restraint in a relatively less important position.