發(fā)布時間：2018-01-27 13:41

  本文關(guān)鍵詞： 商業(yè)銀行 信貸風險 金融監(jiān)管 法律制度　出處：《河北經(jīng)貿(mào)大學》2014年碩士論文　論文類型：學位論文

【摘要】：商業(yè)銀行風險監(jiān)管法律制度在我國的研究是以我國經(jīng)濟的發(fā)展情況為現(xiàn)實依據(jù)，尤其是伴隨著全球經(jīng)濟不斷一體化發(fā)展進程而逐漸受到重視的。如何對商業(yè)銀行信貸風險進行防范和有效控制是長期存在于我國銀行業(yè)運營的一個焦點問題,深入研究商業(yè)銀行信貸風險監(jiān)管問題不僅能夠更加完善相關(guān)金融監(jiān)管法律制度，還對促進我國銀行業(yè)健康穩(wěn)健發(fā)展具有重大的現(xiàn)實意義。本文中，筆者針對法律制度層面的主要問題來論述商業(yè)銀行信貸風險監(jiān)管制度，希望能對現(xiàn)實起到指導作用。 盡管我國目前亦有一整套防范和控制商業(yè)銀行信貸風險的機制，但相對于發(fā)達國家，我國在監(jiān)管的理念、主體、內(nèi)容、法律責任的追究機制等法律制度方面還是存在一定的研究空間。本文運用比較分析、文獻分析等方法，通過分析世界主要國家在信貸風險監(jiān)管法律制度建設方面的發(fā)展趨勢，從中歸納出對防范我國商業(yè)銀行信貸風險的解決之路，最終對完善我國商業(yè)銀行信貸風險的監(jiān)管法律問題提出適合我國國情發(fā)展的建議，希望有助于我國商業(yè)銀行信貸風險的預防和控制。除了引言和結(jié)語部分，文章的主要內(nèi)容分為四部分展開： 第一部分主要論述的內(nèi)容為商業(yè)銀行信貸風險監(jiān)管的一般問題。本部分首先從概念、特征和現(xiàn)狀三個方面來界定商業(yè)銀行信貸風險，然后就監(jiān)管的主體、客體、內(nèi)容三個方面著重分析了商業(yè)銀行信貸風險監(jiān)管制度的基本法律關(guān)系，進而從經(jīng)濟學和法學兩個方面分析了商業(yè)銀行信貸風險監(jiān)管法律制度的理論基礎，為下文的展開分析做好理論鋪墊。 第二部分論述了商業(yè)銀行信貸風險監(jiān)管制度的現(xiàn)狀。具體分為兩個方面展開論述：第一方面論述了我國商業(yè)銀行信貸風險監(jiān)管制度的法律體系和效力層級，從法律體系構(gòu)成和立法層級兩個方面展開；第二部分就商業(yè)銀行信貸風險在監(jiān)管法律制度方面存在的主要問題進行了論述。分別在商業(yè)銀行監(jiān)管的理念、主體、內(nèi)容以及責任追究機制等方面進行了闡述。 第三部分論述了國外銀行信貸風險監(jiān)管法律制度的發(fā)展趨勢，進而歸納出對于完善我國商業(yè)銀行信貸風險監(jiān)管法律制度的有益啟示,即要注重監(jiān)管法制化和規(guī)范化以及要加強監(jiān)管創(chuàng)新與國際監(jiān)管的合作。 第四部分為文章的核心部分，主要論述了我國商業(yè)銀行信貸風險監(jiān)管法律制度的完善。這部分分為三個方面，，首先論述了我國商業(yè)銀行應該樹立明確具體的信貸風險監(jiān)管理念。正確的監(jiān)管理念對信貸風險的防范有很好的指導作用。我國金融監(jiān)管立法要符合現(xiàn)代金融的發(fā)展趨勢，妥善調(diào)整金融法律關(guān)系，樹立全新的監(jiān)管理念。然后在第二部分著重論述了商業(yè)銀行信貸風險監(jiān)管具體法律制度的完善。筆者針對商業(yè)銀行信貸風險監(jiān)管存在的主要法律問題提出了相應的完善對策。包括主體方面不但應加強監(jiān)管部門之間的協(xié)調(diào)與合作，要加強監(jiān)管主體的獨立性，杜絕行政干預，而且要增強國際監(jiān)管合作；內(nèi)容上要在信貸審批和信息披露方面加強監(jiān)管；責任追究機制上也提出了相關(guān)的完善對策。最后提出了其他相關(guān)法律制度的完善，包括建立存款保險制度及社會信用法律制度的進一步完善。
[Abstract]:The legal system of risk supervision of commercial banks in our country is in the development of Chinese economy, based on reality, especially with the global economic integration and the continuous development process has attracted much attention. How the commercial bank credit risk prevention and control is a focus problem of long period in our country's banking operations the research of credit risk supervision of commercial banks not only to perfect the relevant legal system of financial supervision, but also to promote is of great practical significance in China's banking industry healthy development. In this paper, the author mainly aimed at the problem of the legal system to discuss the credit risk supervision system of commercial banks, hoping to play a guiding role in reality.
Although China also has a set of mechanisms to prevent and control the credit risk of commercial banks, but compared with developed countries, our country in the supervision idea, subject, content, legal liability mechanism and other aspects of the legal system there are still some space. This paper uses the comparative analysis, literature analysis method, through the analysis of the the credit risk supervision of legal system construction of the development trend of the world's major countries, summed up the solution to prevent credit risk of commercial bank in China from the road, finally put forward suggestions about the legal problems in the regulation to improve the credit risk of commercial banks in China, I hope to contribute to the prevention and control of commercial banks in China credit risk. Besides the introduction and conclusion, the main content of the article is divided into four parts:
The first part discusses the general problem of commercial bank credit risk supervision. The first part from the three aspects of concept, characteristics and status to define the credit risk of commercial banks, and supervision of the main body, object, content three aspects analyzes the basic legal relationship of the credit risk supervision system of commercial banks, and the theory of based on commercial bank credit risk supervision legal system analysis from two aspects of economics and law, it lays a theoretical foundation for the following analysis.
The second part discusses the present situation of the credit risk supervision system of commercial banks. It is divided into two aspects: the system of credit risk supervision of commercial banks in China's legal system and the level of effectiveness of the first, from two aspects of legal system and legislative level development; the second part discusses the credit risk of commercial banks the major problems in the supervision of legal system. In commercial bank supervision idea, subject, content and accountability mechanisms were discussed.
The third part discusses the development trend of foreign bank credit risk supervision legal system, and then summed up the enlightenment for the perfection of legal supervision system of credit risk of commercial banks in China, which should pay attention to the supervision of legalization and standardization, to strengthen the supervision of innovation and international regulatory cooperation.
The fourth part is the core part of the article, mainly discusses the perfection of our country commercial bank credit risk supervision legal system. This part is divided into three aspects, first elaborated our country commercial bank should set up the specific credit risk supervision. To prevent the right regulatory concept of credit risk has very good guidance. The development trend of China's financial regulatory legislation to conform to modern finance, properly adjust the relations of financial law, set up the new regulatoryphilosophy. Then in the second part focuses on the perfection of the commercial bank credit risk supervision legal system. After analyzing the main legal problems of commercial bank credit risk supervision put forward the corresponding countermeasures to improve. The subject should not only strengthen coordination and cooperation between regulatory authorities, should strengthen the independence of regulatory body, prevent administrative intervention, but also to strengthen the country International regulatory cooperation; the content to the credit approval and information disclosure supervision; responsibility mechanism is the perfection of the related countermeasures. Finally put forward to perfect the relevant legal system, including further perfecting the establishment of deposit insurance system and the social credit legal system.

【學位授予單位】：河北經(jīng)貿(mào)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：D922.281

【引證文獻】

相關(guān)期刊論文 前1條

1 閆飛宇;;商業(yè)銀行信貸風險及應對方案分析[J];行政事業(yè)資產(chǎn)與財務;2015年12期

本文編號：1468601