我国"十二五"规划中明确提出了建立逆周期宏观审慎金融管理制度的目标。本研究首先探讨了巴塞尔协议 III在中国的适应性问题；随后分析了逆周期监管与金融稳定之间的关系；在此基础上建立我国逆周期银行监管的最优机制，包括逆周期监管工具的周期性研究与工具间的最优搭配组合，逆周期监管最优机制的理论框架和模型,逆周期监管与货币政策的协调问题。 技术层面上，首先对我国银行监管的顺周期性进行实证检验，随后建立动态随机一般均衡模型，并运用动态模拟方法对逆周期银行监管工具及其外部政策协调问题进行模拟分析，最后根据理论与实证分析结论提出我国建立逆周期银行监管的最优机制设计和政策措施。 本文的学术价值在于：1、建立加入银行监管变量的动态随机一般均衡模型，对逆周期监管最优机制及其动态效应进行理论分析和动态模拟；2、对逆周期监管工具效果进行实证比较，选择适合我国逆周期监管的政策工具和实施规则。

Chinese government has explicitly put forward to set up countercyclical macro-prudential financial management system in the 12th five-year-plan. This study first explores the adaptability of Basel III in China; Then analyzed the relationship between counter-cyclical regulation and financial stability; On this basis, then establish the optimal mechanism of counter-cyclical banking regulation. This includes three parts:first, the optimal combinations of four counter-cyclical regulatory tools; second, the framework and theoretical models of the best mechanism for counter-cyclical regulatotion; thrid, the coordination of counter-cyclical regulation and monetary policy . On a technical level, this research will test pro-cyclicality of current banking regulation in China，and then establish a DSGE model with counter-cyclicalical banking regulation and estimate the theoretical hypotheses using dynamic simulation method. Meanwhile the research will compare the effects of counter-cyclical banking regulatory tools and present mechanism design and suggestions for chinese government to build a scientific macro-prudential banking regulatory system.. This research's creative values are as follows: first, establish the dynamic stochastic general equilibrium(DSGE) model of adding banking supervision variables, for the theoretical analysis and dynamic simulation of optimal regulation mechanism of counter-cyclical and the dynamic effects; second, compare the effects of the countercyclical regulation tools, and select the appropriate counter-cyclical regulatory policy tools and implementation of the rules.