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原则20———监管技术有效的银行监管体系包括现场和非现场监管,银行监管局必须与银行管理层经常接触。原则20要求对从事小额信贷业务的银行和ODTI具备专业识和监管方法。监管者必须受过专业培训并且具备区分小额信贷和普通银行业务的知识水平,而且拥有小额信贷机构的特殊风险档案,以此建立并有效使用恰当的现场监管与场外监管工具,进而评估小额信贷机构的状况并纠正已暴露缺陷的监管方法。监管者必须有权进行场内检查,并制定出有效的场内场外监管政策。
Principle 20 --- Regulatory Techniques Effective banking supervision systems include on-site and off-site supervision, and the banking regulator must have regular contact with the bank’s management. Principle 20 requires professional knowledge and regulation of banks and ODTIs engaged in microfinance operations. Regulators must be professionally trained and have a level of knowledge that differentiates microfinance from ordinary banking and has a special risk profile for microfinance institutions to establish and effectively use the appropriate on-site and off-site regulatory tools to assess small Examine the status of credit institutions and correct regulatory approaches to the deficiencies that have been exposed. Regulators must have the power to conduct on-site inspections and work out effective off-site supervision policies.