【摘要】 对银行监管理论进行梳理后,发现大致可以将其分为支持银行监管的公共利益理论和质疑银行监管的私人利益理论。然而,这两种理论都是极端的情形,他们夸张地表现了监管政策背后的复杂动因,行政监管与市场纪律二者不是替代关系而是互补关系。结合此次金融危机,综合考虑以上两种理论,在二者之间寻求平衡的有效银行监管理论尤为重要,这也成为今后银行监管理论研究的前沿和方向。更多还原

【Abstract】 A clarification of the theories of banking supervision helps divide them into theories of public interest that approves banking supervision and theories of private interest that disapproves banking supervision. But these two theories both exaggerate intricate causes behind banking supervision. Actually, the relationship between banking supervision and market discipline are not substitutional, but complementary. Theories of effective banking supervision, the combined of the above two theories, are very important and will be the direction for the studies on theories of banking supervision.更多还原