摘要
本文试图确立一个分析当前金融监管政策制定格局的基本框架。文章认为 ,当前的金融机构体系呈现由少数机构垄断的特点 ,因而具备形成独立利益集团的必要条件 ;而当前的监管政策制定程序似乎昭示了这一点。文章从理论上分析了信息非对称和利益集团对金融市场和消费者利益的负面影响 ,特别指出不同集团间的竞争未必给消费者带来好处 ,提出关键在于继续推行透明度建设 ,逐步放开市场准入管制的政策建议。
This paper constructs an analytical framework in which issues of current financial supervision policy process could be discussed.The main idea is that the interest group consisting of a few of financial magnates,damages the social welfare and the financial market by colluding with the regulatory authorities during the policy making process.Some policy suggestions are provided as a conclusion.First,the market entry regulation should be liberalized gradually in order to increase the number of institutions.Second,information disclosure requirement should be necessarily applied not only for financial institutions,but also for the regulators.
出处
《经济研究》
CSSCI
北大核心
2000年第12期3-10,75,共9页
Economic Research Journal
