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  本文關(guān)鍵詞：我國商業(yè)銀行監(jiān)管模式與完善措施研究　出處：《華東師范大學》2014年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 有效銀行監(jiān)管 金融監(jiān)管 內(nèi)部治理

【摘要】：美國次貸危機是自1929年之后最嚴重的經(jīng)濟危機,給全球經(jīng)濟造成了極大的負面影響。金融監(jiān)管與金融創(chuàng)新沒能保持進度一致,歸根究底,造成危機的原因被認為是監(jiān)管缺失。之后,英國、德國、美國、日本及歐盟等相繼制定了金融監(jiān)管的有效改革方案,并開始反思自身監(jiān)管體制方面的欠缺。此后,我國的銀監(jiān)會在一定程度上削減了金融危機對國內(nèi)銀行的沖擊,但是仍然會有其弊病。在我國全部金融資產(chǎn)中,九成以上是銀行業(yè)資產(chǎn),這就意味著經(jīng)濟能否穩(wěn)步增長的一個舉足輕重的因素就在于整個銀行系統(tǒng)是否能穩(wěn)健運行,銀行監(jiān)管的必要性也就不容忽視。 本文首先從銀行的特點引出銀行監(jiān)管的必要性,引述了商業(yè)銀行監(jiān)管模式的基本理論�；仡櫫松虡I(yè)銀行監(jiān)管模式的歷史演變、發(fā)展和現(xiàn)有制度及未來展望。接著闡述了銀行監(jiān)管模式的一般理論,例舉了國際上以銀行監(jiān)管主體為分類標準的五種常見的銀行監(jiān)管模式以及以央行具體職責為分類標準的兩種監(jiān)管模式。隨后通過對我國金融監(jiān)管模式的效率及特點的研究,選用不同指標來綜合評價了我國金融監(jiān)管的有效性。進而通過比較不同監(jiān)管主體模式之間的區(qū)別,指出國際上較為成功的監(jiān)管模式中值得我國借鑒之處。最后就我國銀行監(jiān)管制度中現(xiàn)有的問題提出了構(gòu)建中國特色銀行監(jiān)管制度的框架和改進對策,論述了我國商業(yè)銀行監(jiān)管模式改進的適用原則,特別提出有效銀行監(jiān)管的新觀點：加強對銀行外部市場約束和內(nèi)部治理、加強對監(jiān)管部門自身的內(nèi)部整頓。本文結(jié)論是目前銀監(jiān)會和央行對銀行業(yè)實行雙重監(jiān)管是符合中國國情的,隨著國際金融一體化的推進,分業(yè)經(jīng)營制度是符合當前需求的,這樣能夠有的放矢地針對監(jiān)管對象的特點,理清監(jiān)管制度中各方關(guān)系,不斷完善監(jiān)管辦法和手段,逐步規(guī)避長期以來累積的金融風險,而隨著監(jiān)管制度的不斷完善,混業(yè)經(jīng)營也必然會自然地走上前臺。
[Abstract]:The subprime mortgage crisis in the United States is the most serious economic crisis since 1929, which has caused a great negative impact on the global economy. Financial supervision and financial innovation did not keep the same progress, in the final analysis. The crisis is thought to be the result of regulatory deficiencies. Then, Britain, Germany, the United States, Japan and the European Union have worked out effective reform programs for financial regulation. Since then, the CBRC has reduced the impact of the financial crisis on the domestic banks to a certain extent, but there will still be its drawbacks. More than 90% are banking assets, which means that a decisive factor for steady economic growth is whether the whole banking system can operate steadily, and the necessity of bank supervision should not be ignored. This paper first draws the necessity of bank supervision from the characteristics of banks, quotes the basic theory of commercial bank supervision model, and reviews the historical evolution of commercial bank supervision model. The development and the present system and the future prospect. Then elaborated the general theory of the bank supervision pattern. This paper gives an example of five common banking supervision models with the main body of banking supervision as the classification standard and two kinds of supervision models based on the specific responsibilities of the central bank in the world. Then, through the analysis of the efficiency and special features of the financial supervision model in our country. Point of study. Choose different indicators to comprehensively evaluate the effectiveness of financial supervision in China, and then compare the differences between different main regulatory models. The author points out that the more successful supervision mode in the world is worthy of our country's reference. Finally, the paper puts forward the framework and improvement measures to construct the banking supervision system with Chinese characteristics on the existing problems in the banking supervision system of our country. This paper discusses the applicable principles of improving the supervision mode of commercial banks in China, especially puts forward a new viewpoint of effective banking supervision: strengthening the external market constraints and internal governance of banks. The conclusion of this paper is that the dual supervision of the banking sector by the CBRC and the central bank is in line with the national conditions of China, along with the promotion of international financial integration. The separate operation system is in line with the current needs, so it can be targeted at the characteristics of the regulatory object, clear the relationship between the parties in the regulatory system, and constantly improve the monitoring methods and means. Gradually avoid the accumulated financial risks for a long time, and with the continuous improvement of the regulatory system, mixed operation will naturally come to the foreground.
【學位授予單位】：華東師范大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

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