10. 结构调控

I. Chiu, Joanna B. Wilson
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摘要

本章考察了英国的结构性监管和改革。结构性改革是指对银行业务结构进行直接监管干预。这尤其适用于英国的大型银行集团。简而言之,监管可能会迫使英国大型银行集团进行自我重组,目的是在保持竞争优势的同时,保留具有重要社会意义的关键经济功能。虽然结构性改革的首要目标是遏制系统性风险和提高银行的可处置性,但这些改革也可能在某种程度上改变银行,特别是零售银行的文化,从而使零售银行的行为在其社会效用功能中更符合公众利益。然后,本章考虑了结构性改革的其他选择,包括美国实施的沃尔克规则(Volcker Rule)以及被取代的《格拉斯-斯蒂格尔法案》(Glass-Steagall Act)。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
10. Structural regulation
This chapter examines structural regulation and reform in the UK. Structural reforms refer to direct regulatory intervention into a bank’s business structure. This applies particularly to large banking groups in the UK. In brief, large banking groups in the UK may be compelled by regulation to restructure themselves for the purposes of preserving key economic functions that are socially important while maintaining their competitive edge. Although structural reforms are aimed first and foremost at containing systemic risk and improving the resolvability of banks, these reforms may also go some way towards changing the culture of banks, especially retail banks, so that the conduct of retail banks may be more aligned with the public interest in their social utility functions. The chapter then considers other options in structural reforms, which include the Volcker Rule implemented in the US as well as the superseded Glass–Steagall Act.
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