中文摘要：

通过构建数理模型和部门监管模型,分析发现银行业的短期现状与长期趋势是相悖的,短期中无论采取何种监管制度,银行业都能实现差异化经营,但在长期中,只有实行差异化监管,银行业才有可能实现差异化经营。以此为基础,推论出＂监管幻觉＂的现象,监管者如果忽视了长期趋势,只关注短期现象,很可能错误的认为：即使采取同质化监管,银行业的竞争也能促使商业银行实现差异化经营,且同质化监管也能取得好的效果。＂监管幻觉＂可能阻碍分类监管政策的出台,影响监管者进行分类监管改革的积极性。最后提出利用＂引导性的分类监管＂解决长期中商业银行经营同质化的问题。

英文摘要：

By constructing the mathematical model and the department supervision model,this paper finds that short- term status and the long- term trend of banking is inconsistent. Whatever the regulatory system is taken in the short term,the banking industry will realize the poor dissimilation business,but in the long run,only the implementation of differentiated supervision,the banking industry will be possible to realize the different operation.On this basis,we infer the ＂ regulatory illusion＂ phenomenon,that is,if the regulators ignore the long- term trend,only pay attention to short- term phenomenon,it would be probably wrong to think：Even with homogeneous regulation,competition in the banking sector also encourages commercial banks to realize the difference operation,and the homogenization of supervision can achieve good effect. ＂ Regulatory illusion＂ may hinder the classification of the regulatory policy,the positive effect of regulators to classify regulatory reform. The ＂guidance of classification regulation＂ of the commercial banks is finally introduced in the paper to solve long- term business homogenization problem.