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1、___________________________________________________________________________________________当前银行业分类监管的策略选择探索摘要：当前,各类银行机构在所有制性质、产权结构、公司治理、经营环境等方面各有不同，在风险控制、内控状况、管理水平以及核心竞争力等方面表现迥异。本文作者提出,作为银行监管部门，必须对银行业金融机构的上述特性有着全面深入的了解，准确把握各类机构的风险特点，因行施策，因险施略，合理配置监管资源，用最小的监管成本收到最大的监管绩效，进
2、而提高监管效率、实现监管目标。关键词：银行业；分类监管；策略选择Abstract:Atpresent,varioustypesofbankinginstitutionsinthenatureofownership,propertyrightsstructure,corporategovernance,businessenvironmentandsodifferent,inriskcontrolandinternalcontrolsituation,themanagementlevelaswellasthecorecompetitiven
3、essofdifferentareassuchasperformance.Theauthorspropose,asabankingsupervisiondepartment,theneedforbankingfinancialinstitutionshavetheabovecharacteristicsofcomprehensiveandin-depthunderstandingandaccurategraspoftheriskcharacteristicsofvarioustypesofinstitutions,duetolineCe
4、Shi,Shislightlyduetotherisk,therationalallocationofregulatoryresources,withthesmallestreceiptofregulatorycostsofmonitoringtheperformanceofthelargest,toimproveregulatoryefficiencyandachieveregulatoryobjectives.Keywords:Banking;classificationregulation;strategychoice7_____
5、________________________________________________________________________________________________________________________________________________________________________________当前银行业分类监管的策略选择探索摘要：当前,各类银行机构在所有制性质、产权结构、公司治理、经营环境等方面各有不同，在风险控制、内控状况、管理水平以及核心竞争力等方面表现迥异。本文作者提出,作
6、为银行监管部门，必须对银行业金融机构的上述特性有着全面深入的了解，准确把握各类机构的风险特点，因行施策，因险施略，合理配置监管资源，用最小的监管成本收到最大的监管绩效，进而提高监管效率、实现监管目标。关键词：银行业；分类监管；策略选择Abstract:Atpresent,varioustypesofbankinginstitutionsinthenatureofownership,propertyrightsstructure,corporategovernance,businessenvironmentandsodifferent,i
7、nriskcontrolandinternalcontrolsituation,themanagementlevelaswellasthecorecompetitivenessofdifferentareassuchasperformance.Theauthorspropose,asabankingsupervisiondepartment,theneedforbankingfinancialinstitutionshavetheabovecharacteristicsofcomprehensiveandin-depthundersta
8、ndingandaccurategraspoftheriskcharacteristicsofvarioustypesofinstitutions,duetolineCeShi,Shislightlydue
