本文選題：商業(yè)銀行 + 市場約束��； 參考：《華東師范大學(xué)》2012年博士論文

【摘要】：近年來,世界多國爆發(fā)的金融危機(jī)讓人們逐漸意識到傳統(tǒng)金融監(jiān)管的許多局限性。為此,市場約束在銀行監(jiān)管中的作用開始引人關(guān)注。在新巴塞爾協(xié)議中,市場約束與最低資本要求、官方監(jiān)管一起,為銀行監(jiān)管體系的三大支柱之一。 基于多方面的因素,我國投資者的市場約束力較弱。在此情況下,銀行管理層往往只考慮收益性而忽視安全性。銀行風(fēng)險水平的高企不僅加重了監(jiān)管當(dāng)局的負(fù)擔(dān),也使得整個銀行體系面臨系統(tǒng)性風(fēng)險。隨著我國銀行業(yè)的對外開放,如何提高對銀行的市場約束力,降低銀行風(fēng)險,是我國監(jiān)管當(dāng)局面臨的一個重要問題。這也是寫作這篇論文的現(xiàn)實意義所在。 本文共分為七章。 第一章是對銀行公司治理、信息披露、存款人和次級債市場約束等方面的文獻(xiàn)綜述。 第二章首先在分析有關(guān)強(qiáng)制信息披露爭論的基礎(chǔ)上,引出了關(guān)于信息披露的各種理論觀點；然后通過分析銀行內(nèi)部治理和外部治理對信息披露的影響,闡明公司治理和信息披露密不可分、相互作用的關(guān)系；最后分析信息披露的評價指標(biāo)和市場約束效應(yīng),即評判何種信息披露才是有效和充分的,以及其所能產(chǎn)生的市場約束作用。 第三章在概述了市場約束的定義、研究范圍、條件等之后,分別并實證研究剖析存款人的市場約束“監(jiān)控”機(jī)制、次級債的市場約束“監(jiān)控”機(jī)制、理財客戶的市場約束“監(jiān)控”機(jī)制。 第四章分別從宏觀視角和微觀視角實證研究市場約束“影響”機(jī)制,并通過理財客戶市場約束“影響”機(jī)制實證檢驗,以判斷銀行對市場約束的實際反應(yīng)程度。 第五章分別分析市場約束和官方監(jiān)管的局限性和必要性,并通過兩者關(guān)系的對比分析,得出兩者應(yīng)互相配合,作為銀行監(jiān)管的組成部分,發(fā)揮各自優(yōu)勢和作用的結(jié)論。同時,本章分析了官方監(jiān)管的范圍和力度的選擇,以期確立市場約束和官方監(jiān)管的最優(yōu)邊界。 第六章主要結(jié)合我國銀行監(jiān)管的實際,分析當(dāng)前在公司治理、信息披露、市場約束等方面存在的問題,并提出相應(yīng)的對策和政策建議。 第七章總結(jié)全文的主要研究結(jié)論,并提出本文研究中的不足之處,以及對未來研究方向的展望。
[Abstract]:In recent years, the financial crisis broke out in many countries in the world makes people gradually realize the limitation of traditional financial supervision. To this end, the role of market constraints in banking supervision began to attract attention. In Basel II, market constraints and minimum capital requirements, together with official regulation, are one of the three pillars of the banking regulatory system. Based on various factors, the market binding force of Chinese investors is weak. In this case, bank management often only consider profitability and neglect security. High levels of banking risk not only burden regulators, but also expose the entire banking system to systemic risk. With the opening of China's banking sector, how to improve the market binding force on banks and reduce bank risks is an important issue facing our country's regulatory authorities. This is also the practical significance of writing this paper. This paper is divided into seven chapters. The first chapter is a literature review on bank corporate governance, information disclosure, depositors and subprime bond market constraints. In the second chapter, on the basis of analyzing the controversy about compulsory information disclosure, it leads to various theoretical viewpoints on information disclosure, and then analyzes the impact of internal and external governance on information disclosure. The relationship between corporate governance and information disclosure is explained. Finally, the evaluation index and market constraint effect of information disclosure are analyzed, which is to judge which information disclosure is effective and sufficient. And its ability to produce market constraints. After summarizing the definition, scope and condition of market constraint, the third chapter analyzes the market constraint "monitoring" mechanism of depositors and the market constraint "monitoring" mechanism of subprime debt, respectively. Financial management customer's market restraint "monitoring" mechanism. The fourth chapter empirically studies the market constraint "influence" mechanism from the macro and micro perspectives, and judges the actual reaction degree of the bank to the market constraint through the empirical test of the financial management customer market constraint "influence" mechanism. The fifth chapter analyzes the limitation and necessity of market restraint and official supervision, and draws the conclusion that they should cooperate with each other and play their respective advantages and functions as part of bank supervision. At the same time, this chapter analyzes the choice of the scope and intensity of official supervision in order to establish the optimal boundary between market constraint and official supervision. The sixth chapter analyzes the problems existing in the aspects of corporate governance, information disclosure and market constraints, and puts forward corresponding countermeasures and policy suggestions. Chapter seven summarizes the main conclusions of this paper, and puts forward the shortcomings of this study, as well as the prospects for future research.
【學(xué)位授予單位】：華東師范大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2012
【分類號】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 陳學(xué)民;吳仰儒;;中國商業(yè)銀行存款保險定價與模式選擇[J];財經(jīng)論叢;2012年01期

2 李建國;中國證券市場信息不對稱研究[J];財貿(mào)經(jīng)濟(jì);2001年12期

3 宋增基;陳全;張宗益;;上市銀行董事會治理與銀行績效[J];金融論壇;2007年05期

4 曹廷求;張光利;;市場約束、政府干預(yù)與城市商業(yè)銀行風(fēng)險承擔(dān)[J];金融論壇;2011年02期

5 陳其安;黃悅悅;;政府監(jiān)管、市場約束對商業(yè)銀行風(fēng)險承擔(dān)行為的影響[J];金融論壇;2011年10期

6 胡維波;金融監(jiān)管的理論綜述[J];當(dāng)代財經(jīng);2004年03期

7 孫連友,周斌;十國集團(tuán)主要國際銀行非傳統(tǒng)資本工具運(yùn)用及啟示[J];當(dāng)代財經(jīng);2005年05期

8 王娟;我國銀行業(yè)信息披露狀況分析[J];南方金融;2002年08期

9 夏斌;徐佩;;我國次級債發(fā)行存在的問題及建議[J];南方金融;2010年12期

10 朱明星;當(dāng)代銀行資本監(jiān)管理論及其新進(jìn)展[J];桂海論叢;2005年04期

相關(guān)重要報紙文章 前1條

1 中國人民銀行重慶營業(yè)管理部副主任 閻慶民;[N];金融時報;2002年

，

本文編號：2061895