Chapter 11economic analysis of banking regulation 货币金融教材.pptVIP

Financial system is among the most heavily regulated sectors of the economy, and banks are among the most heavily regulated of financial institutions.;ⅠAsymmetric Information and Banking Regulation;（一）Government Safety Net;（一）Government Safety Net;（一）Government Safety Net;（一）Government Safety Net;（一）Government Safety Net;（一）Government Safety Net;（二）Restrictions on Asset Holdingsand Bank Capital Requirements;（二）Restrictions on Asset Holdingsand Bank Capital Requirements;1、Chartering: one method for preventing this adverse selection problem. 2、 Examination: one method for limiting moral hazard problem and adverse selection problem. 1）periodic (usually quarterly) call reports（定期报告） 2） Regular or unannounced on-site bank examinations（实地检查） CAMAL rating( (“骆驼” 评价体系) 目前美国金融管理当局对商业银行及其他金融机构的业务经营、信用状况等进行的一整套规范化、制度化和指标化的综合等级评定制度，包括五项考核指标，即资本充足性(Capital Adequacy)、资产质量(Asset Quality)、管理水平(Management)、盈利状况(Earnings)和流动性(Liquidity) ------cease and desist orders（停业和整顿）； close a bank（关闭） An examination focuses only on a bank’s position at a point in time.; (四）Assessment of Risk Management： to evaluate the soundness（健全性） of a bank’s management processes with regard to controlling risk. (1) The quality of oversight （监督质量）provided by the board of directors and senior management, (2) the adequacy of policies and limits（政策和限制措施的充分性） for all activities that present significant risks, (3) the quality of the risk measurement and monitoring systems,（风险度量和监督体系的质量） (4) the adequacy of internal controls（内控充分性） to prevent fraud or unauthorized activities on the part of employees. （五）Disclosure Requirements：More public information about the risks incurred by banks and the quality of their portfolio can better enable stockholders, creditors, and depositors to evaluate and monitor banks and so act as a deterrent to excessive risk taking. ;（六）Financial Consumer Protection： 现象： 金融产品设计有漏洞、格式化合同有缺陷、日常服务不到位、收费不合理、信息披露不充