IMF-良好监督：实地经验教训（英）-2023.9-34页_1mb

The 2023 IMF Working Paper, "Good Supervision: Lessons from the Field," authored by Tobias Adrian et al., reviews progress in banking supervision since the 2010 Staff Position Note and analyzes lessons from the March 2023 banking turmoil. Key findings highlight that while advancements have been made in areas like risk monitoring, stress testing, and business model analysis, significant deficiencies remain in supervisory approaches, tools, and powers, particularly in emerging and developing economies. Challenges include delays in corrective actions, insufficient resources, and a lack of operational independence for supervisors.

Deficiencies noted across jurisdictions include inadequate legal protection for supervisors, unclear mandates prioritizing safety and soundness, and limited use of Pillar II supervisory powers. The paper underscores that digitalization and structural transformations, such as nonbank financial intermediation, climate risks, and cybersecurity, exacerbate these challenges.

Recommendations emphasize the need to strengthen operational independence, enhance legal protections, improve data quality and availability, and promote proactive, risk-based supervision with timely escalation of actions. Supervisors must leverage tools like stress testing and Suptech while ensuring judicial discretion to address systemic risks effectively. Collaboration between banks, supervisors, and governments is essential, with governments providing clear mandates and resources to uphold effective supervision.

In essence, good supervision demands a combination of robust institutional frameworks, skilled staff, and assertive decision-making to safeguard banking stability, complementing regulatory efforts and addressing evolving risks.