金融监管治理核心要义2002年,国际货币基金组织发布了两份关于良好银行监管治理机制标准的研究报告:《监管的独立性和金融稳定》和《危机防范和危机管理:监管治理的角色》。这两份报告提出了良好银行监管治理的四个标准:监管机构的独立性、问责性、透明性、监管操守。独立性意味着银行监管机构享有充分的自主权,能够摆脱利益集团的牵制而作出客观和理性的判断;问责性意味着银行监管机构不仅要对政府和立法机构负 In 2002, the IMF released two studies on the standards of good banking regulatory governance: “Regulatory Independence and Financial Stability” and “Crisis Prevention and Crisis Management: The Role of Regulatory Governance.” These two reports set out four criteria for good bank governance governance: the independence, accountability, transparency and regulatory ethics of the regulator. Independence means that bank regulators have full autonomy and are able to get away from the clout of interest groups to make objective and rational judgments. Accountability means that bank regulators must not only be responsible to the government and the legislature