金融机构即时矫正制度初论

政府对于问题金融机构必须尽早实施有效的干预。自1991年以来,世界上越来越多的国家实行了以规则为基础的金融机构即时矫正制度。该制度由启动点、矫正措施以及二者之间的严格对应构成,它以既定规则在一定程度上取代监管当局基于个案的自由裁量权,虽有一定的机会成本,却能够遏制监管当局的监管宽容倾向,确保金融机构的问题得到早期处置。我国应当考虑引入金融机构即时矫正制度。

Pilot Study on Prompt Corrective Action Regimes for Financial Institutions

The governments must intervene in problem financial institutions as soon as possible. Since 1991, more and more countries have introduced the rules-based prompt corrective action regimes for financial institutions, which have usually been made up of trigger points, corrective actions and clear linkages between them. In despite of some opportunity costs because of limiting regulatory authorities' discretion by the established rules,they are able to avoid regulatory forbearance and insure early-resolution of financial institutions' problems. China should take account of introducing it.