泛亚电竞

日本银行业宏观审慎监管借鉴

发布:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 2013-11-20 10:43 来源:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 《中国外汇》2014年第21期 作者:宋慧中 孙宇
日本金融监管机构在危机中实施的金融监管及危机后采取的宏观审慎监管,使得日本银行业受损较小,且在较短时间内就得以稳定并逐步恢复。

泛亚电竞 2007niancidaiweijibaofahou,ribenyinxingyezaifadajingjitizhongshousunjiaoxiao,qiezaijiaoduanshijianneijiudeyiwendingbingzhubuhuifu。jiuqiyuanyin,churibenyinxingyeduigaoshouyi、gaofengxiandejinrongyanshengchanpinjigaofuzhai、gaoganggandeyunzuomoshibingchishenshendetaiduwai,ribenjinrongjianguanjigoushishidejinrongjianguanjiweijihoucaiqudehongguanshenshenjianguanfangshiyezhuoyouchengxiao。zheishideribendejinrongjianguantixicongquanqiujiaodulaikanyeshixiangduijianquande,qijingyanjizuofazhideyanjiuhejiejian。

日本银行业宏观审慎监管的特点

泛亚电竞 yijujingjixingshitedian,quelibutongshiqidejianguanzhongdian。ribenjinrongtingyijuguoneiwaihongguanjingjixingshiyijijinrongshichangzhuangkuang,quedingyidingshiqineiyinxingyezaijingji、jinrongtixizhongyingzhongdianfahuidezuoyong,yicizuoweizhenggeyinxingtixihongguanshenshenjianguandezhongdian。2013nian,chixuxingtongsuochengweiribenjingjimianlindeshouyaowenti。ribenjinrongtingzaiyaoqiuyinxingyouxiaozhixingjinrongzhongjiedezhinengheweihuzishenanquanhechixuyunxingdejichushang,qiangdiaoyinxingyingtongguotigongzijin、zixun、pinggudenggongneng,weijingjibaituotongsuotigongjinrongzhichi。

zhenduibutongleixingyinxing,shedingyouqubiedejianguanmubiao。genjuyinxingguimojixitongzhongyaochengdu,ribenjinrongjianguanbumenjiangyinxingfenweizhuyaoyinxinghedifangxingjinrongjigou,bingzhenduierzheshelibutongdejianguanmubiao,youqubiedijinxingfenleijianguan。duizhuyaoyinxing,jianguanjigougengjiazhuzhongduiyinxingguquanfengxian、jinrongyanshengchanpinfengxian、kuajingzijinliudongfengxianyijijingwaizhengcefengxiandengmubiaodejianceheguanli,tebieshiduixinzhunrujigouhewaiziyinxingdejianguan;duidifangxingjinrongjigou,zegengjiazhuzhongduiyinxingzibenjinjichuhezishenfengxianguanlinenglidejiance。

zhuzhongyinxingzhongzhangqijingyingmubiaoyujianguanmubiaodeqihe。ribenjinrongjianguanbumenconghongguanshenshenjianguandeshijiao,duiyinxingdejingyingfangxianghejingyingfengxianjinxingchixujiance,fenxiqijingyingmubiaoyujingjixingshihejianguanmubiaozhijiankenengchuxiandefenqi,shibieqianzaifengxian。weifangkongfengxian、weihujinrongxitongwending,zaibiyaoshi,jianguanbumengulihuojianyiyinxingzhongxinshenshihediaozhengqiduanqiyinglidongjijizhongzhangqijingyingguihua,yishiyinxingjingyingmubiaoyujianguanmubiaoyouxiaoqihe,yuxianfangfanfengxian,jiangdijianguanchengben。

zaiyinxingwaihuishouzhifangmiancezhongwaihuiliudongxingjiyanshengchanpinjianguan。ribenjinrongjianguanjigouzhuzhongfangfanyinwaihuiliudongxingqujinhewaihuiyanshengchanpinkuozhangguodueryinfadefengxian。yifangmian,jianguanjigouyaoqiuzhuyaoyinxing,tebieshineixiejuyouhaiwaifenzhijigoudeyinxingjiwaiguoyinxingdejingneifenzhijigou,jianlihelidewaihuiliudongxingfengxianguanlitixiheshidangdejituanzijinguanlimoshi,bingyaoqiuqichiyouyidingdewaihuiliudongxingzichan;lingyifangmian,jianguanjigoucezhongjianceyinxingwaihuiyanshengchanpindekuozhangsuduyuchanpinjiegoushifouyuqijingyingguimoxiangshiying,bingzhuzhongyinxingjingyingwaihuiyanshengchanpindeheguixingjikehumanzududejiance。

zhuzhonggoutongzaifangfanhehuajiefengxianzhongdezuoyong。ribenjinrongjianguanjigouyizhizhiliyuxunqiuyuyinxinggengweishenruheyouxiaodefanyadianjing、goutongfangshi,yicicujinjianguanxiaolvdetisheng。yifangmian,tongguoxiangyinxingdiaoyuebaogao,lejieyinxingdejingyingcelvehefengxianguanli,yijishifaxianzhenggeyinxingyemianlindepubianwentiheqianzaifengxian,fangfanyinduanqiliyiqudongjiyinxingtixidailaifumianchongji;lingyifangmian,jiaqiangyuyinxinggaocengguanlirenyuandeyuetanyufanyadianjing,shiyinxingnengjishilejiedaojianguanbumendejianguanmubiaojiyaoqiu,shishidiaozhengyinxingjingyingfangxianghefengxiankongzhi,yijishi、youxiaodifangfanhehuajieqianzaifengxian。

泛亚电竞 zhongshijingneiwaijianguanbumenjiandejianguanhezuo。zaihengxianghezuofangmian,ribenjinrongjianguanjigouzhuzhongtongjingwaijianguanjigouheguojijinrongzuzhizhijiandefanyadianjingyuhezuo,bingxuexiheyinjinduoyanghuadejianguanfangshi、fangfa,yitishengjiancenengli,manzuhongguanshenshenjianguandexuyao。zaizongxianghezuofangmian,zhuzhongfahuidifangcaizhengjudezuoyong,yifangmianjishitigonggaozhiliangdefeixianchangjiancexinxi,bangzhudifangcaizhengjushenhuaduidanyiyinxingdefengxianxingweijianguan;lingyifangmian,tongguodifangcaizhengjutigongdeyinxingjiancexinxi,tigaoduidifangxingyinxingdejingyingxingweifenxixiaoguo,zengqiangjianguanjigouhongguanshenshenjianguandenengli。

jinnianlai,zairibenjinrongjianguanjigouyuyinxingyedegongtongnulixia,ribenyinxingyewenjianyunxing,jinrongfengxianjibenbaochizaijiaodishuiping。ribenyangxing《jinrongtixibaogao》xianshi,dangqian,ribenjinrongtixiweichidifengxianyunxing,yinxingyezibenchongzulvzhengtijiaogao,zuyidiyujingjituranxiahuadailaidefengxian;lilvfengxian、xindaifengxianjunyousuoxiajiang;yinxingyeliudongxingchongyu,nenggoudiyutufaxingzijinwailiudailaideyali。ribenjingjidefusuyeduiyinxingyechanshenglezhengxiangyingxiang,zhuyaotixianzaiyugushixiangguandeshouyichuxianzengzhangyijixindaichengbendexiajiang。2013cainian,ribenyinxingyejinglirunpubiantisheng。ribensanjingzhuyoujinrongjituan、ruisuijinrongjituanhesanlingufjjinrongjituanjinglirunefenbiewei8353.6yiriyuan、6884.2yiriyuanhe9848.5yiriyuan,jiaoshangnianfenbietigao5.2%、22.8%he15.5%。qizhong,sanjingzhuyoujinrongjituanheruisuijinrongjituanniandujinglirunchuangxialishixingao。

启示及借鉴

yishizhubuquelifanyadianjingguoyinxingwaihuishouzhihongguanshenshenjianguanyuanze,fencengci、youqubiedijinxingjianguanyuzhidao。yingjianchiyifanyadianjingshitijingjifazhanweigenbenchufadian,queliyicujinguojishouzhipingheng、fangfankuajingzijinyichangliudongfengxianweimubiaodeyinxingwaihuishouzhihongguanshenshenjianguanyuanze,bingyiciweiyiju,quedingbutongleixingdeyinxingzaizhichijingjifazhan、tigongwaihuijinrongfanyadianjingjicujinguojishouzhipinghengzhongfahuidezuoyong,zhubujianlibingwanshanmubiaoqingxi、zhenduixingjiaoqiangdeyouqubiedeyinxingwaihuishouzhihongguanshenshenjianguankuangjia,duiyinxingdewaihuishouzhijinxingfencengcidejiandu、guanlihezhidao。

泛亚电竞 ershijianliyinxingwaihuifanyadianjingshuipingpingjiazhidu,wanshanjianguanyukaohejizhi。yinggenjuquanguoxingyinxingjidifangxingyinxingzaihongguanjingjihedifangjingjizhongdebutongzuoyong,duigeleiyinxingzaibutongshiqi、butongjingjihuanjingxiafuyuyouqubiedewaihuifanyadianjingzhineng;zaiduiyinxingwaihuiyewuheguijingyingjifengxianfangkongjinxingjianguandetongshi,duiyinxingwaihuifanyadianjingzhinengzuoyongdefahuizhuangkuangjinxingpingjia,bingnaruduiyinxingwaihuiyewudejianguanjikaohe,tuidongyinxinggenghaodilvxingfanyadianjingshitijingjidezhineng。

sanshijianliyinxingzhengxiangjilijiyindaojizhi,fengfuyinxingwaihuishouzhihongguanshenshenjianguandefangshiheshouduan。shouxian,yingjianliyinxingwaihuijingyingjishouzhi “nizhouqi”jianguanjizhi。yaochongfenfahuiquanguoxingdayinxingzaiyinxingwaihuiyewuzhongdedaoxiangjifengxiangbiaozuoyong,tongguoduidaxingyinxingjinxingyuetan、zhidao,shiqilejiewaihuiguanlijijianguanmubiao,zaitouguodayinxingjingyingxingweidebianhua,yindaoyinxingyedewaihuijingyingxiangfuhejianguanmubiaodefangxiangfazhan,huajiekuajingzijindaguimoyichangliudongdefengxian。qici,yingchongfenliyongyinxingzhixingwaihuiguanliguidingdekaohejieguo,duiyinxingjinxingyoujili、youchengchudequbiehuaguanli。zhongdianshiduiwaihuiheguijingyingjiaochahuofengxianxingjiaodadeyinxingjiaqiangjianceheguanli,tongguoyuetan、chufadengfangshiducuqijinxingzhenggai,bingxianzhiqiwaihuiyanshengchanpinyewudekaizhan,huoduikaibanjieshouhuiyewufenzhijigoushuliangdekuozhangjiayixianzhideng。duiyuwaihuijingyingzilvxingjiaogao、fengxianjiaodideyinxing,zaijieshouhuishichangzhunru、yinxingjieshouhuizonghetoucunxianehedingdengfangmianjiyuyidingdebianlijiqingxie,guliyinxingheguijingying、zhudongjiangdifengxian。

泛亚电竞 sishiqianghuakaohe,yindaoyinxingkaizhanguimoshidu、fazhanyouxudewaihuiyanshengchanpinyewu。muqian,fanyadianjingguoyinxingjingyingwaihuiyanshengchanpintongzhichengdujiaogao,yidanshichangjiagechuxianjiaodabodong,rongyiyinqikuajingzijindaguimoliudong,jizhenggeyinxingtixidailaishunzhouqixingfengxian。tebieshiwaihuiguanlijianzhengfangquanhou,yinxingkeyitongshishenqingkaibanquanbuwaihuiyanshengchanpinzige,qieqihouxudeyewuchuangxinjifazhanwuxuxiangjianguanbumenjinxingbaobei,shijianguanbumenduiyinxingwaihuiyanshengchanpinjiegounanyizhangwo,buliyuduihuiyanshengchanpindefengxianjiancehefangkong。jianci,yinggenjuhongguanshenshenjianguanxuyao,jiangwaihuiyanshengchanpinjingyingfengxiannaruyinxingzhixingwaihuiguanliguidingdekaohezhizhong,tongshijiangqizuoweizhongdiankaohejianduneirong,jiangyinxingwaihuiyanshengchanpinfashouguimoyuyinxingwaihuijingyingguimoguagou、waihuiyanshengchanpinpinzhongyuyinxingfengxiankongzhinengliguagou,yijiaqiangduiyinxingwaihuiyanshengchanpinweiyuezhuangkuangdejiandu,yindaoyinxingjianliyuzishenjingyingxiangshiyingdewaihuiyanshengchanpinjiegouyuguimo。ciwai,yingguliyinxinggenjushitijingjideqieshixuqiu,chuangzaoyuzhixiangyingdewaihuiyanshengchanpinzuhe,bangzhuqiyeshixiantaoqibaozhi,guibifengxian;dantongshiyeyaofangfanyinxingyinduanqiliyiqudongerweiguichuangxinyumangmukuozhang。

wushijianliheguifanyuyinxingdegoutongfanyadianjingjizhi,jiangdijianguanchengben,tigaojianguanxiaolv。yingjiangyuyinxingdegoutongchengxuhua、guifanhua,dingqizhaokaiqingkuanggoutonghui,jishilejieyinxingyedangqianwaihuiyewujingyingmubiaojiweilaidefazhanfangxiang,xunzhaoduiyinxingwaihuishouzhifengxianjianguandezhelidian。

liushijianlishewaiyinxingzilvxingzuzhi,cujinshewaiyinxingjiankangfazhan。chuangjianshewaiyinxingzilvxingzuzhi,yifangmian,keyiqianghuashewaiyinxingzilv,jinyibutigaoshewaiyinxingwaihuiyewuheguijingyinghefengxianzikongshuiping;lingyifangmian,yeyouzhuyuweishewaiyinxingchuangzaogongping、youxudeshichangjingzhenghuanjing,goujianshewaiyinxingjingyanfanyadianjing、zhengcejieduhexinxigongxiangdepingtai,cujinshewaiyinxingjiangdifengxian,gaoxiaoyunying,jiankangfazhan。

qishijiaqiangjianguanbumenzhijianjiyukuaguojianguanjigoujiandehongguanshenshenjianguanhezuo。zaiguoneicengmian,yingjijikaizhanhezengjinyugejiyinxingyejianduguanlibumen、zhengfuxiangguanbumendegoutongyufanyadianjing,shenrulejieshewaijingjifazhanxuqiuheyinxingyefazhanxianzhuangjiqianzaifengxian,jiangyouxiaoxinxirongruyinxingwaihuishouzhihongguanshenshenjianguan;zaiguojicengmian,yingzengqiangyuguowaijianguanjigouzhijiandeshenduhezuo,xinaguojixianjinjianguanjingyanhefangfa,lejieguoneiyinxingjingwaifenzhijigoujiwaiziyinxingzongxingdezhuangkuang,yigengyouxiaodiduixitongzhongyaoxingyinxingjiwaiziyinxingdewaihuishouzhifengxianjinxingjianceheguanli。

 

作者单位: 外汇局辽宁省分局

泛亚电竞_泛亚电竞app怎么下载-官网APP下载1

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