审慎经营

市场约束、流动性援助与存款保险&基于银行审慎经营的激励兼容分析

Market Discipline , Liquidity Salvage and Deposit Insurance

严重违反审慎经营规则的；

Violating the prudent operation rules seriously ;

银行业金融机构应当严格遵守审慎经营规则。

The financial institutions of the banking industry shall strictly observe the rules of prudent operation .

银行必须修补资产负债表，回归核心业务，审慎经营。

Banks must fix their balance sheets and revert to their core activities , undertaken in a prudent manner .

银行审慎经营是金融稳定的微观基础，而银行治理过程中利益相关者的动态均衡是银行审慎经营的保证。

Prudential operation of bank is a micro-basis of financial stability and it needs a dynamic equilibrium of stakeholders of bank .

市场约束是利益相关者参与银行治理的外部机制，流动性援助和存款保险是维护金融稳定的安全设施，市场约束、流动性援助和存款保险的激励兼容才能增加银行审慎经营可能性。

Market discipline is external mechanism of stakeholders to participate bank governance , Liquidity salvage and Deposit insurance is a safety net .

完善的内部控制是商业银行审慎经营的前提，是保证金融体系稳定运行的基础。

Credible internal control is the premise for the commercial banks to operate prudently , and the foundation to ensure the stability of the financial system .

在一定的制度设施基础上，完善市场约束，减少流动性援助和存款保险带来的道德风险，建立一个市场约束、流动性援助和存款保险激励兼容的外部框架有利于银行的审慎经营。

It is advantageous to build up a frame of incentive compatibility and prudential operation to set up and perfect the mechanism of market discipline , the liquidity Salvage , and the deposit insurance based on some institute and facilities .

主席希拉.拜尔相信如果收购者能够证明他们可以审慎地经营银行，并且是好的企业公民的话，就可以考虑被认为是合格的投标人。

Sheila Bair , its chairman , believes buy-out firms should be considered eligible bidders if they show they can run a bank prudently and are " good corporate citizens " .

因而防范和化解银行风险，保证商业银行审慎稳健经营是国家宏观调控的主要政策目标，事关整个经济发展的全局。

Therefore , how to avoid and settle the bank 's risk and assure the prudent and steady management of the commercial bank is the main policy goal of national macro-control , which influence the whole economic development situation .

及时革新监管理念，合理调整监管制度，完善银行的公司治理结构，坚持审慎性经营和监管的原则，特别是坚持以人为本的监管原则，是进行我国有效银行业监管的必经之路。

The fifth , innovating the supervision ideals on time , adjusting the supervision systems , perfecting the banking management structure , insisting on prudential management and prudential supervision are the sole road to the effective supervision in china .

银行审慎行为，是指商业银行应严格按照审慎经营的原则，规范银行自身的经营行为。

Prudential behavior means that the commercial banks should comply with prudential operating principle for the purpose of standardize bank behavior .