中国金融稳定性监管变革的法律框架

被引:7
作者
许多奇 [1 ]
埃米利奥阿福古利亚斯 [2 ]
机构
[1] 上海交通大学凯原法学院
[2] 爱丁堡大学法学院
关键词
金融稳定性风险; 不良贷款; 影子银行; 金融监管; 杠杆比率;
D O I
暂无
中图分类号
D922.28 [金融法];
学科分类号
030103 ;
摘要
新一轮不良贷款的快速增长与影子银行是中国金融稳定性风险的两个侧面,具体表现为中国金融体系中存在着的五个严重问题:被监管部门的不良贷款行为;松散的管理;由无流动资金担保的短期债权所支配的影子银行体系;在影子部门明显缺乏透明性;影子部门与被监管部门之间极高的互联性。提高金融稳定性必须通过一场金融监管大变革,以缓解当前金融分业监管方式带来的困境。而引入一个具有约束力的全方位的杠杆比率,保证银行持有更大份额的资本缓冲,是提高银行适应能力、降低不良贷款,并对抗银行与影子部门关联性的强有力的制度改进措施。
引用
收藏
页码:99 / 111
页数:13
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