CAJ | 학술논문

监管不是主管，更不是直接经营管理，而是借助一定的机制推动被监管机构稳健运行发展。借助机制监管犹如利用机器工作，可以收到事半功倍的效果。监管机制与监管技术是纲与目的关系，机制有效决定技术有效。从某种意义讲，有效银行监管就是不断设计、贯彻、维护、强化和改进相应的制度体制安排的过程。有效银行监管须要瞄准股东、董事、董事长、行长等利益攸关角色，设计既符合关键角色行为规律又符合监管目标的制度机制，或与银行业稳健运行发展“激励兼容＋信息有效”的制度机制。银行公司治理结构就是这样的制度机制安排。完善银行业金融机构的公司治理结构，强化股东和董事的利益压力，赋予高管层足以够大的动力、权力和压力，使之内在地倾向于更多追求投资者利益最大化进而追求银行长期稳健价值最大化，是构建有效监管机制的基本前提。
감관불시주관，경불시직접경영관리，이시차조일정적궤제추동피감관궤구은건운행발전。차조궤제감관유여이용궤기공작，가이수도사반공배적효과。감관궤제여감관기술시강여목적관계，궤제유효결정기술유효。종모충의의강，유효은행감관취시불단설계、관철、유호、강화화개진상응적제도체제안배적과정。유효은행감관수요묘준고동、동사、동사장、행장등이익유관각색，설계기부합관건각색행위규률우부합감관목표적제도궤제，혹여은행업은건운행발전“격려겸용＋신식유효”적제도궤제。은행공사치리결구취시저양적제도궤제안배。완선은행업금융궤구적공사치리결구，강화고동화동사적이익압력，부여고관층족이구대적동력、권력화압력，사지내재지경향우경다추구투자자이익최대화진이추구은행장기은건개치최대화，시구건유효감관궤제적기본전제。
Regulation is not monitoring, or direct administration or management. Instead, regulation is the promotion of the steady operation and development of regulated institutions with the support of certain mechanisms. Just like working with machines, regulation with the support of mechanism could help accomplish twice as much with half the effort. The relationship between regulation mechanism and regulation technique is like the relationship between ＂class＂ and ＂order＂ in biological classification, and the mechanism determines the effectiveness of the technique. In a sense, effective bank regulation is a process of continuously designing, implementing, maintaining, intensifying and improving relevant institutional and systematic arrangements. With focus on major stakeholders such as shareholders, board members, chairman, president, etc. , effective bank regulation means designing an institutional mechanism which not only conforms to the key roles＇ behavior rules but also satisfy regulatory objectives, or an ＂incentive compatible and information effective＂ institutional mechanism which could promote banking industry＇ s steady operation and development. Banks＇ corporate governance structure is such institutional mechanism arrangement. Improving banking financial institutions＇ corporate governance structure, strengthening the interests stress of shareholders and the board members, empowering senior management with sufficient impetus, power and pressure and making it internally inclined to seeking the maximum interests for investors and thus for the bank＇ s long - term steady values are the basic preconditions of building effective regulation mechanism.