中文摘要：

本文以银行发展为因变量，银行监管系列措施为自变量，影响银行发展的其他重要因素为控制变量，构建了银行发展与银行监管的关系模型，利用数十个国家的数据实证检验了银行发展与银行监管的关系。结果表明：银行业外部治理和监管部门独立性均能够显著促进银行发展；资本监管和官方监管对银行发展的作用不明显，银行业务活动的过高限制不利于银行长期发展；政府监管的廉洁高效与金融行业的成熟、开放有利于促进一国银行业的发展；中国目前银行监管的有效性水平总体偏低，需要构建适应中国经济发展模式转型的审慎性银行监管制度。

英文摘要：

Banking development as dependent variable, measures of banking supervision as independent variables and other important factors affecting banking development as control variables, this paper builds the model of the relationship between banking development and banking supervision. Based on data of dozens of countries, the paper empirically tests the relation- ship. The results show that： the external governance and the independence of banking regulators can significantly promote banking development; the impacts of the capital supervision and official supervision on the banking development are not obvious; excessive restrictions on banking activity are not conducive to the long-term development of the banking; the government＇s clean and efficient supervision and the maturity and openness of financial industry help promote the development of the country＇ s banking. Overall, the effectiveness of China＇ s current banking supervision is low and it is necessary to build a prudential banking supervision system that adapts to the transformation of the model of China＇ s economic development.