银行业市场约束初探

【摘要】 市场约束主要是通过银行的债权人或所有者对不稳健银行的逆向反应来起作用的 ,它可以有效地弥补官方监管的局限性 ,并能促进商业银行加强内部管理。市场约束作用的发挥需要一定的前提条件。只有将市场约束、官方监管与内部管理有机地结合 ,才能使监管效率达到极大化。更多还原

【Abstract】 Market discipline acts mainly by virtue of adverse reaction of creditors or owners of commercial bank provided a bank was instead,it can complement the shortcomings of government supervision and interior management of commercial bank.But the effects of market discipline will be limited if we cannot offer some conditions.The perfect combination of market discipline,government supervision and interior management will make supervision efficient maximal.更多还原