| 信息不对称约束下商业银行机构准入监管方式探析 |
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| 引用本文： | 提云涛,杨兰. 信息不对称约束下商业银行机构准入监管方式探析[J]. 复旦学报(社会科学版), 2003, 0(2): 8-14 |
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| 作者姓名： | 提云涛 杨兰 |
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| 作者单位： | 1. 复旦大学世界经济研究所,上海,200433
2. 中国人民银行上海分行,上海,200120 |
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| 摘 要： | 商业银行机构准入监管是保证银行体系安全的重要预防性制度安排。在实行银行机构准入审批制的国家 ,银行监管机构在颁发许可证过程中会面临信息不对称困境。这种信息不对称状况损害了监管效率 ,为此必须设法解决银行机构准入监管中的由信息不对称引起的监管效率下降。本文将主要分析在信息不对称约束下的银行机构准入监管效率的降低 ,并提出通过建立银行机构准入许可证拍卖制度来化解信息不对称引起的监管效率降低
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| 关 键 词： | 银行机构准入监管效率 信息不对称 许可证拍卖 |
| 文章编号： | 0257-0289(2003)02-0008-007 |
| 修稿时间： | 2002-03-01 |
A Probe into the Means of Supervision of the Admission of Commercial Banking Institutions Due to Information Asymmetry |
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| Ti Yun tao Yang Lan. A Probe into the Means of Supervision of the Admission of Commercial Banking Institutions Due to Information Asymmetry[J]. Fudan Journal(Social Sciences Edition), 2003, 0(2): 8-14 |
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| Authors: | Ti Yun tao Yang Lan |
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| Abstract: | The supervision of the admission of commercial banking institutions is an important preventive arrangement. In a country with an examination and approval system regarding the admission of commercial banking institutions, the bank supervision departments would find themselves in the difficulty of information asymmetry while issuing permits. As this asymmetry impairs the supervision efficiency, measures must be taken to deal with the decline of supervision efficiency due to information asymmetry in the supervision of the admission of banking institutions. This paper focuses on the analysis of the decline of efficiency regarding the admission of commercial banking institutions as a result of information asymmetry, and proposes the establishment of a permit auction system of the admission of commercial banking institutions to solve the problem of the decline of supervision efficiency due to information asymmetry. |
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| Keywords: | efficiency of supervision of the admission of banking institutions information asymmetry auction of permits |
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