摘要
维护银行稳定是需要成本的,要在维护稳定的同时尽可能增进社会福利,关键是要寻求银行成本稳定和控制的合理均衡。银行稳定成本包括监管成本、内部控制成本、重组成本和宏观成本等。我国银行业应建立有效的现代银行治理结构,重塑高效的银行监管体制,构建有效的银行重组机制和宏观金融风险预警机制,并在此基础上制定合理的宏观经济政策,以有效地控制银行稳定的成本。
Maintaining the banking stability needs cost. Social welfare should be promoted as possible as it can at the same time when stability is to be maintained, the key to which is to seek a reasonable equilibrium between banking cost steadiness and cost control. The cost of banking stability includes supervision cost, internal control cost, reorganization cost, and macro-cost. Effective modern banking governance structure should be built for China＇ s banking industry, rebuilding efficient banking regulatory regime, building effective banking reorganization mechanism and macro-financial risk alert mechanism, and reasonable macro-economy policy should also be made on this basis, effectively controlling cost of banking stability.
出处
《河南金融管理干部学院学报》
2005年第5期49-53,共5页
Journal of Henan College of Financial Management Cadres
关键词
银行稳定
银行危机
成本控制
银行治理结构
银行监管体制
banking stability
bank crisis
cost control
banking governance structure
banking regulatory regime
