巴塞尔协议与我国银行监管完善之研究

发布时间：2018-06-04 16:02

  本文选题：巴塞尔协议 + 银行监管　； 参考：《南昌大学》2011年硕士论文

【摘要】：1988年的巴塞尔协议(BaselⅠ)是国际银行业监管的“神圣条约”,被各国银行业视为银行监管的统一标准。但由于经济环境的剧烈变化迅速改变了银行的经营环境,巴塞尔委员会探索适应新经济环境的金融监管方式,在2004年公布《巴塞尔协议Ⅱ》(BaselⅡ)。然而,2008年金融危机虽然并未从根本上否定协议Ⅱ的科学性,但是也暴露了协议Ⅱ的某些缺陷。 为了适应形势的需要,在2010年9月12日,巴塞尔委员会公布《巴塞尔协议Ⅲ》,这是近几十年来针对银行监管领域的最大规模改革。各国央行和监管部门希望这些改革能促使银行减少高风险业务,同时确保银行持有足够储备金,能不依靠政府救助独自应对今后可能发生的金融危机。 我国加入世界贸易组织后,加大了对外开放的力度,使得我国的金融市场与国际金融市场的联系日趋频繁。我国为应对巴塞尔协议也采取了一系列举措,但是,由于种种原因,我国银行业监管的现状不容乐观,我国银行监管者要吸取国际经验,尽快建立和完善我国的银行监管制度。 除了引言和结语部分之外,本文由三个部分组成,内容如下： 第一部分以巴塞尔协议的发展历程为主线,阐述了三部巴塞尔协议的产生动因和主要内容,并对其发展变化和不足之处进行评析。重点对最新出台的巴塞尔协议Ⅲ进行了详细的阐述。 第二部分在从法学角度分析了巴塞尔协议的法律性质之后,从我国市场经济发展、参与国际竞争、提高我国银行信用级别和加强对外资银行的规范需要等方面剖析了我国金融监管法律与巴塞尔协议接轨的必要性。 第三部分阐述了巴塞尔协议Ⅲ问世之后中国监管当局应对巴塞尔协议Ⅲ采取的一系列举措以及中国目前面临的挑战,在此分析的基础上,笔者提出了从法律制定、部门配合、政策协调、监管制度和程序上的健全等七个方面来完善我国银行监管的建议。
[Abstract]:Basel I (1988) is the sacred treaty of international banking supervision, which is regarded as the uniform standard of banking supervision by various countries. However, due to the drastic changes in the economic environment, the Basel Committee has rapidly changed the operating environment of banks, so the Basel Committee explored ways of financial supervision to adapt to the new economic environment, and published Basel II in 2004. However, although the 2008 financial crisis did not fundamentally deny the scientific nature of agreement II, it also exposed some defects of agreement II. In order to meet the needs of the situation, on September 12, 2010, the Basel Committee announced Basel III, which is the largest reform in the field of bank supervision in recent decades. Central banks and regulators hope the reforms will encourage banks to reduce risky business while ensuring that banks have enough reserves to deal with future financial crises independently of government bailouts. After China's entry into WTO, the opening to the outside world has been strengthened, which makes the financial market of our country and the international financial market more and more frequent. China has also taken a series of measures to deal with the Basel Accord. However, due to various reasons, the current situation of banking supervision in China is not optimistic. Our banking regulators should absorb international experience and establish and improve the banking supervision system as soon as possible. In addition to the introduction and conclusion, this paper consists of three parts, which are as follows: The first part, taking the development course of Basel Accord as the main line, expounds the causes and main contents of the three Basel agreements, and evaluates its development, changes and deficiencies. The emphasis is on the detailed elaboration of the latest Basel Accord 鈪，

本文编号：1977978