信息化背景下银行监管效率问题探讨

摘要

近年来,信息技术和网络技术给银行业带来高效率的同时,也给银行业监管带来了前所未有的挑战。本文通过分析银行监管信息化的外在必然性和内在必然性,提出银行监管信息化将大大提高工作效率,也将提高监管的科学性、有效性和前瞻性,是信息化背景下提升监管水平,提高监管效率的必然选择。同时,本文还对如何完善银行监管信息系统提出了建议。%In recent years,information technology and internet obviously increase the efficiency of the banking industry,simultaneously brought unprecedented challenges to the banking regulation.Through analyzing the external necessity and intrinsic necessity of banking regulation’s informatization,gets the view that it will greatly improve banking regulation’s efficiency,make it more scientific,effective and forward-looking.Informatization also enhance banking regulatory standards,and it is the inevitable choice of banking regulation.Meanwhile,gives recommendations on how to improve the informatization of banking regulation system.