如何加强对银行业的监管以促进经济与金融体系的安全和稳定逐渐成为人们关注的焦点。
More and more people begin to concern about the method to strengthen supervision on banks in order to maintain economic safety and stability.
所以，借鉴国际经验对我国的银行业进行有效地监管以加强金融体系的稳定性具有重要的现实意义。
So, drawing on international experience of China's banking sector to enhance the effective supervision of the stability of the financial system has important practical significance.
银行软预算约束的存在使银行业风险监管的有效性受到了很大的影响，仅通过最低资本规定无法有效实现金融体系的安全性和稳定性目标。
Soft budget constraint greatly reduced the effect of banking risk supervision, so it's not easy to realize the safety and stability of financial system only with minimum capital requirement.
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