Can Regulation and Supervision Promote Bank Development?A Cross-country Empirical Study and Its Implication to China

摘要：

Under the framework of a “grabbing hand government model, this paper explores how various banking regulation instruments affect bank development. Applying latest data covering 131 countries in the world, we answer what the appropriate regulation that will promote banking system to develop stably is. Our results indicate that China, different from most cases, should cautiously relax its entry restrictions particularly to foreign banks, restrain banks from engaging in securities, insurance and other activities, set up explicit deposit insurance scheme, and give positive play to official supervision, on account of China’s low bank capital-asset ratio and immature non-official supervisory system. These results might provide some helpful instructions for the newly- established China Banking Regulatory Commission (CBRC) to conduct bank regulation reform.

关键词： Banking Regulation and Supervision Deregulation Bank Development

作者: 沈坤荣 李莉

作者单位: 南京大学商学院经济系,210093

会议类型: 国际会议

会议名称: 2005年中国国际金融年会

会议地点: 昆明

会议语种:英文

在线出版日期: 2005-07-05（万方平台首次上网日期，不代表论文的发表时间）