新巴塞尔协议下我国银行业监管的法律问题研究

发布时间：2018-05-25 05:20

本文选题：新巴塞尔资本协议 + 银行监管　；参考：《海南大学》2011年硕士论文

【摘要】：由美国次贷危机引发全球性的金融危机仍在继续蔓延,尽管此次金融危机对我国宏观经济影响不大,但是在此背景下,我国的银行体系正面临着越来越大的系统性风险,我国的金融监管特别是银行监管成为最为关注的焦点之一。金融是我国经济的核心之一,金融安全是一国经济安全的重要组成部分。银行作为我国经济生活中重要的金融机构,对我国的经济生活影响显著,在我国国民经济中占有十分重要的地位。只有建立完善的银行监管体系,充分发挥银行监管的作用,维护我国金融市场的稳定,才能确保我国国民经济的健康发展。 2009年3月我国正式成为巴塞尔委员会的成员国之一,尽管此前我国监管当局明确表示我国的银行系统采用1988年的老巴塞尔协议,但是,对于此次金融危机暴露出商业银行的系统风险的问题。我国商业银行将按照新巴塞尔资本协议的标准,实施对我国金融机构的风险监管是我国银行监管的必然选择。同时我国银监会在实践吸收借鉴国际先进的监管理念,逐步加强了对我国商业银行的风险监管。正是基于这一目的,本文首先对银行监管的经济学理论和法学理论作了简要的阐述,给本文的研究提供理论支撑。其次是解读新巴塞尔协议的银行监管制度及其影响。一方面从理论上对巴塞尔新资本协议的产生及其主要内容进行阐释,总结了1988年的巴塞尔协议的进步之处和不足方面,从而为新巴塞尔协议的科学性和前瞻性做了铺垫；另一方面分析了新巴塞尔资本协议对我国银行监管法律制度的影响,理论上新巴塞尔协议对我国不具有法律效力,但却是我国银行业稳健运行的必然选择。再次,指出我国银行业监管所面临的新的法律问题及我国银行监管法律制度存在的不足。最后是完善我国银行监管的立法建议。既从宏观层面对我国银行监管法律体系进行完善,又着重就新巴塞尔协议的三大支柱——资本充足率、监管当局的监督检查和市场约束角度来对完善我国银行法律监管制度。
[Abstract]:The global financial crisis triggered by the sub-prime mortgage crisis in the United States is still spreading. Although the financial crisis has little impact on China's macro economy, the banking system of our country is facing more and more systemic risks against this background. China's financial supervision, especially banking supervision, has become one of the most concerned focus. Finance is one of the core of China's economy, and financial security is an important part of a country's economic security. As an important financial institution in the economic life of our country, the bank has a significant influence on the economic life of our country, and occupies a very important position in the national economy of our country. Only by establishing a perfect banking supervision system, giving full play to the role of bank supervision and maintaining the stability of our financial market, can we ensure the healthy development of our national economy. In March 2009, China formally became a member of the Basel Committee. Although our regulatory authorities had stated explicitly that the banking system of our country adopted the old Basel Accord of 1988, however, To this financial crisis exposed the commercial bank systematic risk question. China's commercial banks will carry out the risk supervision of our financial institutions according to the standards of the New Basel Capital Accord, which is the inevitable choice of the banking supervision in our country. At the same time, China Banking Regulatory Commission has gradually strengthened the risk supervision of Chinese commercial banks by absorbing and drawing lessons from international advanced supervision ideas in practice. It is for this purpose that this paper first makes a brief exposition of the economic theory and the legal theory of banking supervision, which provides theoretical support for the research of this paper. The second is to interpret the new Basel Accord banking regulatory system and its impact. On the one hand, it explains the emergence and main contents of the Basel New Capital Accord theoretically, summarizes the progress and deficiency of the Basel Accord in 1988, thus paving the way for the scientificity and foresight of the New Basel Accord. On the other hand, it analyzes the influence of the New Basel Capital Accord on the legal system of banking supervision in China. Theoretically, the New Basel Accord has no legal effect on our country, but it is the inevitable choice for the steady operation of our banking industry. Thirdly, it points out the new legal problems faced by the banking supervision in our country and the shortcomings of the legal system of banking supervision in our country. The last part is the legislative suggestion to perfect the banking supervision in our country. It not only perfects the legal system of banking supervision in China from the macro level, but also focuses on the capital adequacy ratio of the three pillars of the New Basel Accord, the supervision and inspection of the supervisory authorities and the market constraints to perfect the legal supervision system of China's banks.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.281;D996.2

【引证文献】