| 摘要: |
| 本文从投入产出和风险偏好角度对差异化监管与银行经营行为之间的关系进行分析，认为差异化监管相对同质化监管而言，更能提高银行经营的安全性。为进一步量化相关分析，通过直接建立监管措施与监管效果一一对应的函数关系，通过数学方式进行推演，将监管机构面临的二元不确定性转化为连续条件下的确定性结果，较为准确地分析了银行监管与商业银行安全性之间的关系，研究表明：（1）差异化监管措施有助于提升银行安全性；（2）要充分考虑不同类型商业银行在资产规模、业务重点、公司治理等诸多方面的差异性，因行施策监管。 |
| 关键词: 信息不对称；利益最大化；差异化监管 |
| DOI： |
| 分类号:F832 |
| 基金项目:重庆市金融学会2020年招标课题项目“应对新冠肺炎疫情影响的财政政策和金融政策协调研究”。 |
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| Heterogeneity，Information Asymmetry and Differentiated Regulatory Efficiency |
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LI Qi
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The People’s Bank of China Chongqing Operations Office
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| Abstract: |
| From the perspective of input-output and risk preference，this paper analyzes the relationship between differential supervision and bank operation behavior，and finds that differential supervision can improve the safety of bank operation more than homogeneous supervision.Dealt with mathematically，this paper directly establishes a one-to-one functional relationship between the regulatory measures and the regulatory effect，transforms the binary uncertainty faced by the regulatory authorities into the deterministic results under continuous conditions，which shows that(1)Differentiated supervision measures can help to improve the safety of banks; (2)It should fully consider the differences of different types of commercial banks in asset size，business focus，corporate governance and other aspects，and implement supervision according to different banks. |
| Key words: Information Asymmetry;Maximum Benefit;Differentiated Regulation |
