论中国银行监管制度的构建
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摘要
金融是现代经济的核心。由于金融体系的内在脆弱性、金融机构的内在脆弱性、金融主体行为的有限理性和金融资产价格的内在波动性，造成金融系统的内在不稳定性和伴生的巨大风险性。从历史到现实，人们在享受金融带来的福利的同时，也深受金融危机的危害。在各类金融中介机构中，银行是最基本和最重要的，也是最容易引发金融危机的部门。进入20世纪80年代后，世界经济一体化和金融全球化的趋势使银行在经营理念、管理手段和风险控制等诸多方面发生了前所未有的改变，同时，这些急剧变化同银行业固有的风险一起也造成了银行业前所未有的动荡和危机。1980-96年期间，IMF的180个成员国中，有130个国家的银行业发生过严重问题或金融危机。
自从20世纪30年代以来，银行业一直是市场经济国家政府管制最为严厉的经济部门之一，即使是在20世纪70年代后期经济自由化思潮及各国普遍实行自由经济政策的大背景下，银行业仍是沿着管制—放松管制—再管制的轨迹前进的。尤其是亚洲金融危机以来，各国的金融监管普遍加强，其中不仅涉及监管技术的进步，更涉及金融监管体系的变化和分合。各国政府为了保证银行体系的稳定和社会经济金融的平稳运行，着手实施对银行业的严格监管和建立金融安全网。各国政府希望通过对银行实施有效监管，来纠正市场失灵，优化资源配置，协调社会成员的利益，增进社会福利。
在各国银行监管当局和国际金融组织不断出台各种法律、法规推动监管手段、监管技术进步，完善监管制度的同时，经济学家也在从多角度对银行监管的理论基础和有效性进行探讨，对监管制度的框架进行设计和完善。通过理论和实践的结合，经济学家和监管当局在监管体系的许多领域达成共识，其中《巴塞尔新资本协议》和巴塞尔委员会制定和颁布的其他文件指南成为世界上大多数国家的监管标准和指导原则。这些共识主要包括：第一，最低资本要求、监管部门的监督检查和市场纪律是银行监管的三大支柱。第二，确立资本管理的监管理念，深化了对资本的认识，将风险水平与资本要求紧密结合。第三，指出内部模型法对风险管理的重要作用。第四，银行监管从合规性监管向合规性
Finance is the center of modern economics. Because of the inherent frangibility of financial system and financial institution, the limited sense of financial main bodies' behavior and the inherent fluctuating of financial asset prices, there are inherent instability and great risks in financial system. From history to present, people enjoy the welfare of finance, while they have been feeling the loss of financial crisis. Among the various financial institutions, bank is the most basic and important, which causes the financial risks most easily in all of them. After 1980, world economy integration and finance globalization make bank operation and managing ideas, managing means and risk control etc. change unforeseen. At the same time, these sudden changes bring on unforeseen turbulence and crisis to banking with original banking risks. During 1980-1996, serious problems and financial crisis had taken place in 130 countries banking among all the 180 member countries of IMF.
Since 1930s, the banking has been one of economic administrative departments most strictly regulated in the market economy countries all the time. Even in the background that economic liberalization ideological trend and various countries economic laissez faire policy generally had been implemented in the evening of 1970s, banking have been advancing along control- relaxed management - control again orbit. Especially since Asian financial crisis, the financial supervision of various countries has been generally strengthened. It related not only with the progress of supervisory technology, but the change and disjoin-combine of supervisory system. The governments of various countries, in order to guarantee the steady operation of the banking system and the stability and social economy and finance, set about to implementing strict supervision and establishing the financial safety network. They hope to correct the market failure, optimize resource distribution, coordinate the interests of social members and promote the social welfare through supervising bank effectively.
自从20世纪30年代以来，银行业一直是市场经济国家政府管制最为严厉的经济部门之一，即使是在20世纪70年代后期经济自由化思潮及各国普遍实行自由经济政策的大背景下，银行业仍是沿着管制—放松管制—再管制的轨迹前进的。尤其是亚洲金融危机以来，各国的金融监管普遍加强，其中不仅涉及监管技术的进步，更涉及金融监管体系的变化和分合。各国政府为了保证银行体系的稳定和社会经济金融的平稳运行，着手实施对银行业的严格监管和建立金融安全网。各国政府希望通过对银行实施有效监管，来纠正市场失灵，优化资源配置，协调社会成员的利益，增进社会福利。
在各国银行监管当局和国际金融组织不断出台各种法律、法规推动监管手段、监管技术进步，完善监管制度的同时，经济学家也在从多角度对银行监管的理论基础和有效性进行探讨，对监管制度的框架进行设计和完善。通过理论和实践的结合，经济学家和监管当局在监管体系的许多领域达成共识，其中《巴塞尔新资本协议》和巴塞尔委员会制定和颁布的其他文件指南成为世界上大多数国家的监管标准和指导原则。这些共识主要包括：第一，最低资本要求、监管部门的监督检查和市场纪律是银行监管的三大支柱。第二，确立资本管理的监管理念，深化了对资本的认识，将风险水平与资本要求紧密结合。第三，指出内部模型法对风险管理的重要作用。第四，银行监管从合规性监管向合规性
Finance is the center of modern economics. Because of the inherent frangibility of financial system and financial institution, the limited sense of financial main bodies' behavior and the inherent fluctuating of financial asset prices, there are inherent instability and great risks in financial system. From history to present, people enjoy the welfare of finance, while they have been feeling the loss of financial crisis. Among the various financial institutions, bank is the most basic and important, which causes the financial risks most easily in all of them. After 1980, world economy integration and finance globalization make bank operation and managing ideas, managing means and risk control etc. change unforeseen. At the same time, these sudden changes bring on unforeseen turbulence and crisis to banking with original banking risks. During 1980-1996, serious problems and financial crisis had taken place in 130 countries banking among all the 180 member countries of IMF.
Since 1930s, the banking has been one of economic administrative departments most strictly regulated in the market economy countries all the time. Even in the background that economic liberalization ideological trend and various countries economic laissez faire policy generally had been implemented in the evening of 1970s, banking have been advancing along control- relaxed management - control again orbit. Especially since Asian financial crisis, the financial supervision of various countries has been generally strengthened. It related not only with the progress of supervisory technology, but the change and disjoin-combine of supervisory system. The governments of various countries, in order to guarantee the steady operation of the banking system and the stability and social economy and finance, set about to implementing strict supervision and establishing the financial safety network. They hope to correct the market failure, optimize resource distribution, coordinate the interests of social members and promote the social welfare through supervising bank effectively.
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153．周英，2002：《金融监管论》，中国金融出版社．
154．陈建华，2001：《中国金融监管模式选择》，中国金融出版社。
155．刘崇明，2002：《金融监管热点问题研究》，中国金融出版社。
156．陈建华，2002：《金融监管有效性研究》，中国金融出版社。
157．白钦先，2003：《金融监管的国际协调与合作》，中国金融出版社。
158．杨德勇，贾奇珍，1998：《金融监管论》，内蒙古人民出版社。
159．史福厚，2004：《金融监管导论》，中国商务出版社．
160．邹辉霞，2000：《现代商业银行监管》，中央民族大学出版社。
161．李德，2002：《经济全球化中的银行监管研究》，中国金融出版社。
162．杨凯生，2000：《银行风险防范和危机化解国际比较研究》，中国金融出版社。
163．张忠军，1998：《金融监管法论——以银行法为中心的研究》，法律出版社。
164．王中华，2001：《对金融监管基本问题的探讨》，《金融科学》第3期。
165．植草益，1992：《微观规制经济学》中译本，中国发展出版社．
166．刘浩，2002：《金融监管组织结构理论的发展脉络》，《安阳师范学院学报》第2期．
167．王桂梅，2000：《国外金融监管组织结构的演变及我国的对策》，《国际金融研究》2000第9期．
168．孙涛，2002：《国际金融监管的新进展》，《世界经济》2002第4期。
169．郑振龙，张雯，2001：《金融监管的制度结构研究》，《世界经济》第 12期。
170．宋彬，2001：《国际金融业监管模式的演进与选择》，《浙江金融》第8期。
171．大卫．T．卢埃林，2000：《金融监管的组织结构》，《金融参考》第6期．
172．刘立达，2000：《金融经营监管模式探讨》，《金融参考》第5期。
173．傅萍，王沪生，2000：《亚洲金融危机的教训》，《企业技术进步》第4期，第5期。
174．刘毅，2000：《论金融机构自律的基础》，《北京商学院学报(社会科学版)》第5期。
175．崔连红，1998：《试论金融自律与约束》，《金融监管与实践》第5期。
176．蒲宇飞，2001：《韩国的金融自律化与开放化》，《国际经济评论》第3期。
177．周伟，2003：《金融监管的协调论：理论分析框架及中国的现状》，《财经科学》第5期。
178．邹平座，陈学彬，2002：《金融监管的外部控制系统研究》，《财经研究》第10期。
179．罗军，2002：《金融监管理论及其运用》，《金融与经济》第12期。
180．李成，2001：《非均衡经济中区域中央银行金融调控与监管研究》，《当代经济科学》第5期。
181．王自力，2001：《银行监管：模式、方法、效率》，《财贸经济》第9期。
182．王漩，李毅，2001：《金融监管理论演化进程及其趋势》，《华南金融研究》，第6期。
183．刘毅，2001：《自由与管制：金融管制的历史变迁及其启示》，《经济评论》第4期。
184．罗友山，2002：《关于金融监管的博弈分析》，《经济评论》第1期。
185．钱小安，2002：《金融开放条件下货币政策与金融监管的分工与协作》，《金融研究》第1期。
186．吴凡，卢阳春，2002：《我国金融监管的帕累托改进》，《贵州财经学院学报》第2期。
187．叶耀明，2001：《金融监管制度模式创新分析》，《上海经济研究》第5期。
188．丁俊，2001：《混业经营浪潮下金融监管模式的比较》，《比较研究》第4期．
189．王君，2001：《金融监管机构设置问题的研究——兼论中央银行在金融监管中的作用》，《经济社会体制比较》第1期．
190．杨卫红，1998：《商业银行监管》，民事与建设出版社
191．D．汤姆森，马尔科姆．阿伯特，2002：《澳大利亚银行管制和市场力量》，《国际金融分析评论》第10期
192．宋清华，2003：《金融体系现代化进程中的监管问题》，《武汉金融》第2期。
193．许蕾，刘运顶，2003：《美国金融监管制度的演变：趋势研判》，《华南金融研究》第6期。
194．丛阳，2002：《变革中的英国金融监管框架》，《金融与保险》第2期。
195．胡维波，2003：《金融监管的理论综述》，《当代财经》第3期．
196．米运生，李箐，2003：《金融规制理论演变与银监会的规制功能创新》，《河南金融管理干部学院学报》第6期．
197．李宏谨，2002：《金融监管的一般经济学解释》，《吉林金融研究》第6期。
198．孙涣民，徐子尧，叶建华，2003：《金融监管：理论基础方面的思考》，《金融教学与研究》第6期。
199．王廷科，1994：《关于金融监管问题的理论研究》，《金融研究》1994年第10期。
200．景学成，李德，王素珍，陈颖玫，2003：《金融监管框架与监管体制发展趋势》，《武汉金融》第3期。
201．何德旭，2003：《新巴塞尔协议与我国银行业监管》，《上海金融》第7期。
202．王兆星，2003：《新资本协议与银行监管》，《金融信息参考》第5期。
203．聂燕峰，李仲飞，2004：《新金融监管理念下的金融监管框架构建》，《华南金融研究》第1期。
204．罗平，2003：《市场约束(第三支柱)及其影响》，《金融会计》2003年第6期。
205．蒋海，刘少波，2003：《金融监管理论及其新进展》，《经济评论》第1期．
206．陈国进，沈炳熙，2001：《自我责任、市场纪律与国际银行监管制度改革》，《中国金融》第12期。
207．寿建新，戴志敏，2003：《新资本协议中的市场纪律及其局限性》，《浙江金融》第8期。
208．周越，高建云，2001：《论市场约束对商业银行的反弹效应》，《前沿》第9期。
209．李园丁，孙涛，2001：《金融业监管体制选择的比较研究》，《国际金融研究》第6期。
210．孔今学，2003：《金融行业协会自律监管作用的完善》，《金融教学与研究》第5期。
211．乔海曙，王于栋，2002：《银行业自律管理：功能与方略》，《金融理论与实践》第9期。
212．冯祯林，李胜华，2001：《行业自律：金融监管的理性选择》，《现代金融》第7期．
213．夏博辉，2004：《论商业银行信息披露的经济学法学基础》，《会计研究》第8期．
214．陈艳，2004：《会计信息披露方式的经济学思考》，《会计研究》第8期．
215．柯琼，2004：《市场失灵与会计信息披露管制：基于资本市场的经济学思考》，《现代管理科学》第10期。
216．关新红，2004：《商业银行信息披露与市场约束》，《会计研究》第5期。
217．杨蕊，2004：《我国商业银行信息披露亟待完善》，《现代商业银行》第11期。
218．胡正衡，2004：《我国商业银行信息披露的改进方向》，《中国金融》第15期。
219．巴曙松，2003：《巴塞尔新资本协议框架中的市场约束》，《财经问题研究》第4期。
220．胡奕明，2002：《银行信息披露的国际比较——时13个国家和地区银行年报的调查分析》，《金融研究》第3期。
221．杭州金融研修学院课题组，2004：《国有商业银行上市与信息披露机制完善研究》，《金融论坛》第9期。
222．张自力，马飞，欧阳敏，2004：《我国商业银行信息披露制度的现实与改进》，《华南金融研究》第1期。
223．李慧萍，2004：《关于增强商业银行信息披露透明度的思考》，《投资研究》第6期。
224．谭文，2004：《<新巴塞尔协议>的市场约束与货币政策传导的信贷渠道》，《国际金融研究》第7期。
225．张庆，2001：《关于我国银行业建立存款保险制度的探讨》，《金融论坛》第8期。
226．郭玲，2004：《存款保险制度道德风险缺陷分析及制度设计》，《商业时代》第8期。
227．林辉，2002：《银行危机、存款保险与金融监管》，《中国经济问题》第2期。
228．魏志宏，2004：《存款保险制度的国际规范与指导原则》，《国际金融研究》第3期。
229．蒋桂芹，2003：《存款保险制度的国际经验比较及借鉴》，《天津商学院学报》第4期。
230．张颖，2004：《对建立银行存款保险制度的分析研究》，《经济与管理》第7期。
231．仲晓东，2004：《构建符合我国国情的存款保险制度的设想》，《企业经济》第7期。
232．陆军，陈志毅，2002：《各国存款保险制度安排的比较研究》，《国际金融研究》第5期。
233．何光辉，杨成月，2001：《即将变革的美国联邦存款保险制度》，《国际金融研究》第12期。
234．陈建华，张显球，2000：《存款保险制度：道德风险及定价策略》，《金融研究》第5期。
235．李玮玮，2000：《建立我国存款保险制度的博弈论分析》，《金融与经济》第5期。
236．张亚涛，2003：《存款保险定价模型之探究》，《国际金融研究》第11期．
237．林平，2001：《关于加强我国金融市场纪律约束的思考》，《南方金融》第2期。
238．邹琪，贲奔，宋浩然，2003：《存款保险制度的理论分歧与案例分析》，《经济界》第2期．
239．项卫星，李宏瑾，2002：《中国是否应该引入存款保险制度》，《国际经济评论》第5期。
240．邹琪，贲奔，2003：《存款保险制度与存款保险定价研究》，《金融论坛》第5期。
241．钟伟，2003：《存款保险制度和中国银行业转轨》，《国际经济评论》第4期。
242．刘端，2003：《存款保险制度的经验与理论探讨》，《财经理论与实践》第3期。
243．吴成颂，2004：《建立存款保险制度的博弈分析与我国的选择》，《华东经济管理》第3期。
245．乔兴旺，陈海龙，2004：《存款保险制度缺陷及其改进对策研究》，《重庆大学学报(社会科学版)》第3期。
246．吴敬铎，2004：《关于我国建立存款保险制度的若干思考》，《市场周刊》第4期。
247．唐明琴，沈福喜，郑尊信，2002：《我国存款保险制度若干问题研究》，《财经理论与实践》第6期。
248．孙晓文，孟辉，2004：《建立我国存款保险制度的思考》，《保险研究》第8期。
249．王颖捷，2003：《陷入困境银行的退出壁垒和我国相关问题研究》，《金融论坛》第2期。
250．闫维杰，2003：《金融机构市场退出的关键是解决债务问题》，《金融研究》第1期。
251．安启雷，陈超，2003：《金融机构市场退出机制的国际比较与我国的制度选择》，《金融研究》第10期。
252．杨德勇，2004：《稳定与效率：中国金融业市场退出研究》，《当代经济科学》第3期。
253．刘定华，周立雄，2003：《对我国金融机构市场退出制度的法律思考》，《长沙电力学院学报(社会科学版)》第2期。
254．张静，张乐，2004：《金融机构市场退出的若干问题及立法完善》，《金融论坛》第10期。
255．白云，易小林，2004：《建立我国金融机构市场退出机制的法律思考》，《南方金融》第5期。
256．阙方平，2003：《有问题银行处置制度安排研究》，中国金融出版社。
257．马克．洛尔，列夫．博罗多夫斯基，2002：《金融风险管理手册》，机械工业出版社．
258．巴塞尔银行监管委员会，2000：《核心原则评价方法》，中国金融出版社
259．安东尼．桑德斯，2002：《现代金融机构管理》，东北财经大学出版社，中译本，李秉祥主译。
260．陈虹，1999：《金融监管的制度背景与效率机制——兼论金融自由化条件下日本金融监管的失误与教训》，《世界经济》第8期。
261．陈学彬等，2001：《当代金融危机的形成、扩散与防范机制研究》，上海财经大学出版社。
262．陈颖，1999：《西方存款保险制度比较》，《金融参考》第3期。
263．陈雨露，2000：《现代金融理论》，中国金融出版社。
264．蒂米奇·威塔斯主编，1991：《金融规管：变化中的游戏规则》，中译本，曹国琪译，上海财经大学出版社。
265．国际清算银行，1997：《巴塞尔银行监管委员会文献汇编》，中国金融出版社．
266．国际清算银行，1999：《巴塞尔银行监管委员会文献汇编》，中国金融出版社．
267．国际清算银行，2001：《新巴塞尔资本协议的概述》，巴塞尔银行监管委员会咨询文件。
268．黄金老，2001：《金融自由化与金融脆弱性》，中国城市出版社。
269．黄毅、杜要忠译，2001：《美国金融服务现代化法》，中国金融出版社。
270．胡冰星，1997：《商业银行不良贷款管理的理论与实践》，复旦大学出版社。
271．IMF和世界银行专家报告，1990：Morris et al．，《80年代的拉美银行体系：跨国比较》。
272．[加] 温迪·多布森、[法] 皮埃尔．雅凯，1998：《WTO中的金融服务自由化》，北京出版社，中译本，彭龙，2000年版。
273．金绍珍，李芬，1999：《构建二元化存款保险制度的思考》，《哈尔滨 金融高等专科学校学报》第1期。
274．金中夏，2001：《金融监管体制的国际比较及对我国的启示》，《经济体制比较》第4期。
275．王晔，2003：《现代银行监管理论与中国银行监管制度的完善》，东北财经大学博士生论文。
276．李扬、王松奇，2000：《中国金融理论前沿》，社会科学文献出版社。
277．李扬、王国刚、何德旭，2001：《中国金融理论前沿Ⅱ》，经济科学出版社．
278．雷蒙德·W·戈德史密斯，1969：《金融结构与金融发展》，中译本，周朔、郝金城、肖远企、谢德麟译，上海三联书店、上海人民出版社，1994年版。
279．刘宇飞，1999：《国际金融监管的新发展》，经济科学出版社．
280．马涛，2002，《经济思想史教程》，复旦大学出版社。
281．秦宛顺、靳云汇、刘明志，1999：《金融监管的收益成本分析》，《金融研究》第1期。
282．日本R&J评级公司：《1998年中国资信评估报告》。
283．汤云为、胡奕明，2001：《商业银行信息披露：巴塞尔原则及对我国的指导意义》，《会计研究》第1期。
284．王华光，1998：《中国国有商业银行制度构建》，西南财经大学出版社。
285．王兆星，2000：《金融集团化及其监管架框的探讨》，《中国金融》第8期。
286．王自力，2001：《国有独资商业银行充实资本金的可行性研究》，《金融研究》，第11期。
287．吴风云、赵静梅，2002：《统一监管与多边监管的悖论：金融监管组织结构理论初探》，《金融研究》第9期。
288．吴忠观，2001：《经济学说史》，西南财经大学．
289．谢平，王素珍，闫伟，200l：《存款保险的理论研究与国际比较》，《金融研究》第5期．
290．邢毓静，巴曙松，2000：，《经济全球化与中国金融运行—中国加入WTO面临的机遇与挑战》，中国金融出版社。
291．阎庆民，2002：《金融全球化中央银行监管有效性分析》，《金融研究》第2期．
292．阎庆民，2002：《论中国银行业监管主体的模式选择》，《改革》第4 期。
293．阎庆民，2002：《中国银行业监管效率分析》，《金融研究》第8期．
294．叶初升，2000：《对金融深化理论及其策略的反思》，《经济评论》第6期．
295．张俊喜，2001：《银行监管的组织架构研究》，《金融研究》第12期．
296．张立洲，2002：《中国金融结构、监管与发展》，《经济学动态》第12期。
297．张维迎，1997：《博弈论》，上海三联出版社，P49。
298．郑振龙，1998：《发展中国家金融危机原因探析》，《农村金融研究》第8期。
299．郑振龙、张雯，2001：《金融监管的制度结构研究》，《世界经济》第12期。
300．周道许，2000：《现代金融监管体系研究》，北京，中国金融出版社。《中国金融年鉴》、《中国统计年鉴》相关各年份。
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153．周英，2002：《金融监管论》，中国金融出版社．
154．陈建华，2001：《中国金融监管模式选择》，中国金融出版社。
155．刘崇明，2002：《金融监管热点问题研究》，中国金融出版社。
156．陈建华，2002：《金融监管有效性研究》，中国金融出版社。
157．白钦先，2003：《金融监管的国际协调与合作》，中国金融出版社。
158．杨德勇，贾奇珍，1998：《金融监管论》，内蒙古人民出版社。
159．史福厚，2004：《金融监管导论》，中国商务出版社．
160．邹辉霞，2000：《现代商业银行监管》，中央民族大学出版社。
161．李德，2002：《经济全球化中的银行监管研究》，中国金融出版社。
162．杨凯生，2000：《银行风险防范和危机化解国际比较研究》，中国金融出版社。
163．张忠军，1998：《金融监管法论——以银行法为中心的研究》，法律出版社。
164．王中华，2001：《对金融监管基本问题的探讨》，《金融科学》第3期。
165．植草益，1992：《微观规制经济学》中译本，中国发展出版社．
166．刘浩，2002：《金融监管组织结构理论的发展脉络》，《安阳师范学院学报》第2期．
167．王桂梅，2000：《国外金融监管组织结构的演变及我国的对策》，《国际金融研究》2000第9期．
168．孙涛，2002：《国际金融监管的新进展》，《世界经济》2002第4期。
169．郑振龙，张雯，2001：《金融监管的制度结构研究》，《世界经济》第 12期。
170．宋彬，2001：《国际金融业监管模式的演进与选择》，《浙江金融》第8期。
171．大卫．T．卢埃林，2000：《金融监管的组织结构》，《金融参考》第6期．
172．刘立达，2000：《金融经营监管模式探讨》，《金融参考》第5期。
173．傅萍，王沪生，2000：《亚洲金融危机的教训》，《企业技术进步》第4期，第5期。
174．刘毅，2000：《论金融机构自律的基础》，《北京商学院学报(社会科学版)》第5期。
175．崔连红，1998：《试论金融自律与约束》，《金融监管与实践》第5期。
176．蒲宇飞，2001：《韩国的金融自律化与开放化》，《国际经济评论》第3期。
177．周伟，2003：《金融监管的协调论：理论分析框架及中国的现状》，《财经科学》第5期。
178．邹平座，陈学彬，2002：《金融监管的外部控制系统研究》，《财经研究》第10期。
179．罗军，2002：《金融监管理论及其运用》，《金融与经济》第12期。
180．李成，2001：《非均衡经济中区域中央银行金融调控与监管研究》，《当代经济科学》第5期。
181．王自力，2001：《银行监管：模式、方法、效率》，《财贸经济》第9期。
182．王漩，李毅，2001：《金融监管理论演化进程及其趋势》，《华南金融研究》，第6期。
183．刘毅，2001：《自由与管制：金融管制的历史变迁及其启示》，《经济评论》第4期。
184．罗友山，2002：《关于金融监管的博弈分析》，《经济评论》第1期。
185．钱小安，2002：《金融开放条件下货币政策与金融监管的分工与协作》，《金融研究》第1期。
186．吴凡，卢阳春，2002：《我国金融监管的帕累托改进》，《贵州财经学院学报》第2期。
187．叶耀明，2001：《金融监管制度模式创新分析》，《上海经济研究》第5期。
188．丁俊，2001：《混业经营浪潮下金融监管模式的比较》，《比较研究》第4期．
189．王君，2001：《金融监管机构设置问题的研究——兼论中央银行在金融监管中的作用》，《经济社会体制比较》第1期．
190．杨卫红，1998：《商业银行监管》，民事与建设出版社
191．D．汤姆森，马尔科姆．阿伯特，2002：《澳大利亚银行管制和市场力量》，《国际金融分析评论》第10期
192．宋清华，2003：《金融体系现代化进程中的监管问题》，《武汉金融》第2期。
193．许蕾，刘运顶，2003：《美国金融监管制度的演变：趋势研判》，《华南金融研究》第6期。
194．丛阳，2002：《变革中的英国金融监管框架》，《金融与保险》第2期。
195．胡维波，2003：《金融监管的理论综述》，《当代财经》第3期．
196．米运生，李箐，2003：《金融规制理论演变与银监会的规制功能创新》，《河南金融管理干部学院学报》第6期．
197．李宏谨，2002：《金融监管的一般经济学解释》，《吉林金融研究》第6期。
198．孙涣民，徐子尧，叶建华，2003：《金融监管：理论基础方面的思考》，《金融教学与研究》第6期。
199．王廷科，1994：《关于金融监管问题的理论研究》，《金融研究》1994年第10期。
200．景学成，李德，王素珍，陈颖玫，2003：《金融监管框架与监管体制发展趋势》，《武汉金融》第3期。
201．何德旭，2003：《新巴塞尔协议与我国银行业监管》，《上海金融》第7期。
202．王兆星，2003：《新资本协议与银行监管》，《金融信息参考》第5期。
203．聂燕峰，李仲飞，2004：《新金融监管理念下的金融监管框架构建》，《华南金融研究》第1期。
204．罗平，2003：《市场约束(第三支柱)及其影响》，《金融会计》2003年第6期。
205．蒋海，刘少波，2003：《金融监管理论及其新进展》，《经济评论》第1期．
206．陈国进，沈炳熙，2001：《自我责任、市场纪律与国际银行监管制度改革》，《中国金融》第12期。
207．寿建新，戴志敏，2003：《新资本协议中的市场纪律及其局限性》，《浙江金融》第8期。
208．周越，高建云，2001：《论市场约束对商业银行的反弹效应》，《前沿》第9期。
209．李园丁，孙涛，2001：《金融业监管体制选择的比较研究》，《国际金融研究》第6期。
210．孔今学，2003：《金融行业协会自律监管作用的完善》，《金融教学与研究》第5期。
211．乔海曙，王于栋，2002：《银行业自律管理：功能与方略》，《金融理论与实践》第9期。
212．冯祯林，李胜华，2001：《行业自律：金融监管的理性选择》，《现代金融》第7期．
213．夏博辉，2004：《论商业银行信息披露的经济学法学基础》，《会计研究》第8期．
214．陈艳，2004：《会计信息披露方式的经济学思考》，《会计研究》第8期．
215．柯琼，2004：《市场失灵与会计信息披露管制：基于资本市场的经济学思考》，《现代管理科学》第10期。
216．关新红，2004：《商业银行信息披露与市场约束》，《会计研究》第5期。
217．杨蕊，2004：《我国商业银行信息披露亟待完善》，《现代商业银行》第11期。
218．胡正衡，2004：《我国商业银行信息披露的改进方向》，《中国金融》第15期。
219．巴曙松，2003：《巴塞尔新资本协议框架中的市场约束》，《财经问题研究》第4期。
220．胡奕明，2002：《银行信息披露的国际比较——时13个国家和地区银行年报的调查分析》，《金融研究》第3期。
221．杭州金融研修学院课题组，2004：《国有商业银行上市与信息披露机制完善研究》，《金融论坛》第9期。
222．张自力，马飞，欧阳敏，2004：《我国商业银行信息披露制度的现实与改进》，《华南金融研究》第1期。
223．李慧萍，2004：《关于增强商业银行信息披露透明度的思考》，《投资研究》第6期。
224．谭文，2004：《<新巴塞尔协议>的市场约束与货币政策传导的信贷渠道》，《国际金融研究》第7期。
225．张庆，2001：《关于我国银行业建立存款保险制度的探讨》，《金融论坛》第8期。
226．郭玲，2004：《存款保险制度道德风险缺陷分析及制度设计》，《商业时代》第8期。
227．林辉，2002：《银行危机、存款保险与金融监管》，《中国经济问题》第2期。
228．魏志宏，2004：《存款保险制度的国际规范与指导原则》，《国际金融研究》第3期。
229．蒋桂芹，2003：《存款保险制度的国际经验比较及借鉴》，《天津商学院学报》第4期。
230．张颖，2004：《对建立银行存款保险制度的分析研究》，《经济与管理》第7期。
231．仲晓东，2004：《构建符合我国国情的存款保险制度的设想》，《企业经济》第7期。
232．陆军，陈志毅，2002：《各国存款保险制度安排的比较研究》，《国际金融研究》第5期。
233．何光辉，杨成月，2001：《即将变革的美国联邦存款保险制度》，《国际金融研究》第12期。
234．陈建华，张显球，2000：《存款保险制度：道德风险及定价策略》，《金融研究》第5期。
235．李玮玮，2000：《建立我国存款保险制度的博弈论分析》，《金融与经济》第5期。
236．张亚涛，2003：《存款保险定价模型之探究》，《国际金融研究》第11期．
237．林平，2001：《关于加强我国金融市场纪律约束的思考》，《南方金融》第2期。
238．邹琪，贲奔，宋浩然，2003：《存款保险制度的理论分歧与案例分析》，《经济界》第2期．
239．项卫星，李宏瑾，2002：《中国是否应该引入存款保险制度》，《国际经济评论》第5期。
240．邹琪，贲奔，2003：《存款保险制度与存款保险定价研究》，《金融论坛》第5期。
241．钟伟，2003：《存款保险制度和中国银行业转轨》，《国际经济评论》第4期。
242．刘端，2003：《存款保险制度的经验与理论探讨》，《财经理论与实践》第3期。
243．吴成颂，2004：《建立存款保险制度的博弈分析与我国的选择》，《华东经济管理》第3期。
245．乔兴旺，陈海龙，2004：《存款保险制度缺陷及其改进对策研究》，《重庆大学学报(社会科学版)》第3期。
246．吴敬铎，2004：《关于我国建立存款保险制度的若干思考》，《市场周刊》第4期。
247．唐明琴，沈福喜，郑尊信，2002：《我国存款保险制度若干问题研究》，《财经理论与实践》第6期。
248．孙晓文，孟辉，2004：《建立我国存款保险制度的思考》，《保险研究》第8期。
249．王颖捷，2003：《陷入困境银行的退出壁垒和我国相关问题研究》，《金融论坛》第2期。
250．闫维杰，2003：《金融机构市场退出的关键是解决债务问题》，《金融研究》第1期。
251．安启雷，陈超，2003：《金融机构市场退出机制的国际比较与我国的制度选择》，《金融研究》第10期。
252．杨德勇，2004：《稳定与效率：中国金融业市场退出研究》，《当代经济科学》第3期。
253．刘定华，周立雄，2003：《对我国金融机构市场退出制度的法律思考》，《长沙电力学院学报(社会科学版)》第2期。
254．张静，张乐，2004：《金融机构市场退出的若干问题及立法完善》，《金融论坛》第10期。
255．白云，易小林，2004：《建立我国金融机构市场退出机制的法律思考》，《南方金融》第5期。
256．阙方平，2003：《有问题银行处置制度安排研究》，中国金融出版社。
257．马克．洛尔，列夫．博罗多夫斯基，2002：《金融风险管理手册》，机械工业出版社．
258．巴塞尔银行监管委员会，2000：《核心原则评价方法》，中国金融出版社
259．安东尼．桑德斯，2002：《现代金融机构管理》，东北财经大学出版社，中译本，李秉祥主译。
260．陈虹，1999：《金融监管的制度背景与效率机制——兼论金融自由化条件下日本金融监管的失误与教训》，《世界经济》第8期。
261．陈学彬等，2001：《当代金融危机的形成、扩散与防范机制研究》，上海财经大学出版社。
262．陈颖，1999：《西方存款保险制度比较》，《金融参考》第3期。
263．陈雨露，2000：《现代金融理论》，中国金融出版社。
264．蒂米奇·威塔斯主编，1991：《金融规管：变化中的游戏规则》，中译本，曹国琪译，上海财经大学出版社。
265．国际清算银行，1997：《巴塞尔银行监管委员会文献汇编》，中国金融出版社．
266．国际清算银行，1999：《巴塞尔银行监管委员会文献汇编》，中国金融出版社．
267．国际清算银行，2001：《新巴塞尔资本协议的概述》，巴塞尔银行监管委员会咨询文件。
268．黄金老，2001：《金融自由化与金融脆弱性》，中国城市出版社。
269．黄毅、杜要忠译，2001：《美国金融服务现代化法》，中国金融出版社。
270．胡冰星，1997：《商业银行不良贷款管理的理论与实践》，复旦大学出版社。
271．IMF和世界银行专家报告，1990：Morris et al．，《80年代的拉美银行体系：跨国比较》。
272．[加] 温迪·多布森、[法] 皮埃尔．雅凯，1998：《WTO中的金融服务自由化》，北京出版社，中译本，彭龙，2000年版。
273．金绍珍，李芬，1999：《构建二元化存款保险制度的思考》，《哈尔滨 金融高等专科学校学报》第1期。
274．金中夏，2001：《金融监管体制的国际比较及对我国的启示》，《经济体制比较》第4期。
275．王晔，2003：《现代银行监管理论与中国银行监管制度的完善》，东北财经大学博士生论文。
276．李扬、王松奇，2000：《中国金融理论前沿》，社会科学文献出版社。
277．李扬、王国刚、何德旭，2001：《中国金融理论前沿Ⅱ》，经济科学出版社．
278．雷蒙德·W·戈德史密斯，1969：《金融结构与金融发展》，中译本，周朔、郝金城、肖远企、谢德麟译，上海三联书店、上海人民出版社，1994年版。
279．刘宇飞，1999：《国际金融监管的新发展》，经济科学出版社．
280．马涛，2002，《经济思想史教程》，复旦大学出版社。
281．秦宛顺、靳云汇、刘明志，1999：《金融监管的收益成本分析》，《金融研究》第1期。
282．日本R&J评级公司：《1998年中国资信评估报告》。
283．汤云为、胡奕明，2001：《商业银行信息披露：巴塞尔原则及对我国的指导意义》，《会计研究》第1期。
284．王华光，1998：《中国国有商业银行制度构建》，西南财经大学出版社。
285．王兆星，2000：《金融集团化及其监管架框的探讨》，《中国金融》第8期。
286．王自力，2001：《国有独资商业银行充实资本金的可行性研究》，《金融研究》，第11期。
287．吴风云、赵静梅，2002：《统一监管与多边监管的悖论：金融监管组织结构理论初探》，《金融研究》第9期。
288．吴忠观，2001：《经济学说史》，西南财经大学．
289．谢平，王素珍，闫伟，200l：《存款保险的理论研究与国际比较》，《金融研究》第5期．
290．邢毓静，巴曙松，2000：，《经济全球化与中国金融运行—中国加入WTO面临的机遇与挑战》，中国金融出版社。
291．阎庆民，2002：《金融全球化中央银行监管有效性分析》，《金融研究》第2期．
292．阎庆民，2002：《论中国银行业监管主体的模式选择》，《改革》第4 期。
293．阎庆民，2002：《中国银行业监管效率分析》，《金融研究》第8期．
294．叶初升，2000：《对金融深化理论及其策略的反思》，《经济评论》第6期．
295．张俊喜，2001：《银行监管的组织架构研究》，《金融研究》第12期．
296．张立洲，2002：《中国金融结构、监管与发展》，《经济学动态》第12期。
297．张维迎，1997：《博弈论》，上海三联出版社，P49。
298．郑振龙，1998：《发展中国家金融危机原因探析》，《农村金融研究》第8期。
299．郑振龙、张雯，2001：《金融监管的制度结构研究》，《世界经济》第12期。
300．周道许，2000：《现代金融监管体系研究》，北京，中国金融出版社。《中国金融年鉴》、《中国统计年鉴》相关各年份。