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金融危机的产生表明当前拨备制度的顺周期性大大加剧了经济周期波动,因此建立逆周期拨备制度被认为是宏观审慎管理框架的重要内容。本文系统总结了缓释拨备顺周期的最新进展,并结合我国实践提出宏观审慎管理框架下改革当前拨备制度的相关建议。
The emergence of the financial crisis shows that the procyclical nature of the current provisions greatly aggravates the volatility of the economic cycle. Therefore, establishing a system of countercyclical provisions is considered as an important part of the macro-prudential management framework. This paper systematically summarizes the latest progress in the pro-cyclical distribution of the mitigation provisions and puts forward some suggestions on reforming the current provisioning system under macro-prudential management framework.