發(fā)布時(shí)間：2018-03-02 21:24

  本文選題：國有商業(yè)銀行　切入點(diǎn)：銀行監(jiān)管　出處：《東北師范大學(xué)》2008年碩士論文　論文類型：學(xué)位論文

【摘要】： 當(dāng)前,以金融自由化、一體化和創(chuàng)新為主要特征的金融革命改變了銀行的生存空間,也給銀行帶來了隨之而來的金融危機(jī)。特別是90年代以后,許多發(fā)達(dá)國家、發(fā)展中國家都經(jīng)歷了相當(dāng)嚴(yán)重的銀行業(yè)危機(jī)。加強(qiáng)銀行業(yè)監(jiān)管,防范和化解銀行業(yè)風(fēng)險(xiǎn)等問題已被各國銀行監(jiān)管當(dāng)局和國際金融領(lǐng)域所普遍關(guān)注。就我國而言,2006年銀行業(yè)履行WTO協(xié)議全面開放金融業(yè)的同時(shí),我國的國有商業(yè)銀行也積極進(jìn)行了一系列的金融改革措施,特別是進(jìn)行了金融體制改革,即進(jìn)行股份制改革和不斷完善公司治理結(jié)構(gòu)等。因此,在新的形勢下,如何加強(qiáng)對國有商業(yè)銀行的監(jiān)管,完善銀行業(yè)監(jiān)管體制,提高監(jiān)管效率,維護(hù)銀行業(yè)的穩(wěn)定,已成為監(jiān)管當(dāng)局面臨的一個(gè)緊迫而又關(guān)鍵的問題。 我國進(jìn)行銀行監(jiān)管的政府機(jī)構(gòu)主要有中國人民銀行和銀監(jiān)會(huì),它們是我國政府順應(yīng)銀行業(yè)發(fā)展趨勢不斷完善的監(jiān)管產(chǎn)物,具有較濃的行政色彩。本文從行政管理的視角去研究銀行監(jiān)管的問題,采用了規(guī)范分析、實(shí)證分析、歷史分析等研究方法,按照提出問題、分析問題和解決問題的原則,對我國國有商業(yè)銀行監(jiān)管存在問題進(jìn)行全面分析,并提出了自己的具體對策建議,以期能為完善我國政府的銀行監(jiān)管做一些有意義的探索。 本文首先論述了銀行監(jiān)管的基本理論,然后對我國國有商業(yè)銀行監(jiān)管的現(xiàn)狀及存在問題進(jìn)行分析,認(rèn)為在銀行監(jiān)管體系、監(jiān)管手段和內(nèi)控機(jī)制、市場環(huán)境及人員管理等方面還存在著不健全乃至缺失,提出了相對應(yīng)的解決對策,比如構(gòu)建科學(xué)的銀行監(jiān)管體系;建立良好的市場約束環(huán)境;深化改革,加強(qiáng)內(nèi)控;提高人員素質(zhì)等。指出隨著金融創(chuàng)新的發(fā)展,銀行監(jiān)管制度也要不斷創(chuàng)新,加強(qiáng)監(jiān)管的法制建設(shè),推進(jìn)監(jiān)管協(xié)調(diào)機(jī)制,完善現(xiàn)場和非現(xiàn)場監(jiān)管體系,不斷提高銀行監(jiān)管水平,才能達(dá)到較好的政府監(jiān)管效果。
[Abstract]:At present, the financial revolution, characterized by financial liberalization, integration and innovation, has changed the living space of banks and brought about the ensuing financial crisis to banks. Especially after 90s, many developed countries, Developing countries have all experienced quite serious banking crises. The prevention and solution of banking risks have been paid more and more attention by the banking regulatory authorities and the international financial field. As far as China is concerned, in 2006, the banking industry fully opened up the financial industry in accordance with the WTO agreement. The state-owned commercial banks of our country have also actively carried out a series of financial reform measures, especially the reform of the financial system, that is, the reform of the joint-stock system and the continuous improvement of the corporate governance structure. How to strengthen the supervision of state-owned commercial banks, improve the banking supervision system, improve the efficiency of supervision, and maintain the stability of the banking industry has become an urgent and critical problem faced by the supervisory authorities. The government agencies that carry out banking supervision in China mainly include the people's Bank of China and the Banking Regulatory Commission, which are the products of our government's continuous improvement in line with the development trend of the banking industry. This paper studies the problems of bank supervision from the perspective of administrative management, adopts normative analysis, empirical analysis, historical analysis and other research methods, according to the principles of problem raising, problem analysis and problem solving. This paper makes a comprehensive analysis of the problems existing in the supervision of state-owned commercial banks in China, and puts forward its own specific countermeasures and suggestions in order to make some meaningful explorations for perfecting the banking supervision of our government. This paper first discusses the basic theory of banking supervision, then analyzes the present situation and existing problems of the supervision of state-owned commercial banks in China, and points out that in the banking supervision system, supervision means and internal control mechanism, The market environment and personnel management are not perfect or even lack. The corresponding countermeasures are put forward, such as constructing a scientific banking supervision system, establishing a good market restraint environment, deepening reform, strengthening internal control, and so on. It is pointed out that with the development of financial innovation, the banking supervision system should also be innovated, the legal system of supervision should be strengthened, the coordination mechanism of supervision should be promoted, the on-site and off-site supervision system should be perfected, and the level of bank supervision should be continuously improved. In order to achieve a better effect of government supervision.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2008
【分類號(hào)】：F832.1

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前4條

1 葉小帥;中國銀行業(yè)監(jiān)管問題研究[D];中共中央黨校;2010年

2 趙航;我國國有商業(yè)銀行監(jiān)管問題研究[D];吉林大學(xué);2012年

3 張清林;關(guān)于提升我國國有商業(yè)銀行分支機(jī)構(gòu)監(jiān)管有效性的思考[D];新疆大學(xué);2013年

4 包畢力格;金融改革背景下中國銀行業(yè)監(jiān)管機(jī)制的研究[D];內(nèi)蒙古大學(xué);2013年

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本文編號(hào)：1558114