“一行三会”下银行业监管体制研究

发布时间：2018-02-16 07:11

本文关键词： 一行三会银行监管混业经营　出处：《复旦大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着2003年银监会的成立,中国初步建立起“一行三会”的监管结构,至今运作差不多才十个年头。.在监管结构初定以前,当初在货币政策与银行监管职能是否应该分离的问题上就已经争论不休。在这十年的工作实践中,暴露出来的各种问题再让我们重新审视目前监管体制下央行和银监会的职能分工等问题。思考作为专门监管银行业的银监会,凭其一己之力是否就可以全部承担起对中国银行业的监管,目前我们的监管体制是否适应整个金融环境的改变,央行和银监会之间的协作关系等问题如何改善,等等。在中国“一行三会”的金融监管体制下,对于银行的风险管理和监控工作是否随着不断变化的内部和外部环境与时俱进,直接影响到对银行所承担的风险、对整个金融市场的风险把控,这对我们监管当局提出了一个亟待解决的课题。所以,本文希望通过对目前“一行三会”金融监管体制下的银行监管进行分析和研究,理出目前银行监管方面存在职能分工、信息共享、最后贷款人制度等方面的不足,并揭示出中国银行国有化这一根源性问题。在借鉴国外较成熟的银行监管体制及各种监管方式后,结合中国银行业当前的发展现状,以混业经营的改革趋势为思考方向,提出完善中国银行业监管的对策和建议,希望能在中国银行业监管的发展道路上发挥有价值的参考和借鉴意义。
[Abstract]:With the establishment of the Banking Regulatory Commission in 2003, China has initially established a regulatory structure of "one line and three sessions," which has only been in operation for almost ten years... Before the regulatory structure was initially established, The debate over whether monetary policy and banking regulatory functions should be separated has been ongoing. In the course of this decade of work, The problems exposed let us re-examine the division of functions between the central bank and the CBRC under the current regulatory system, and think about the CBRC, which specializes in the supervision of the banking sector. On its own, will we be able to take over the supervision of China's banking sector, whether our current regulatory system is adapted to the changes in the entire financial environment, and how to improve the cooperative relationship between the central bank and the CBRC, etc. And so on. Under the financial regulatory system of China's "one line, three sessions", whether the risk management and monitoring work of banks has a direct impact on the risks to banks as the changing internal and external environment keeps pace with the times, Controlling the risks of the entire financial market raises a pressing issue for our regulators. Therefore, this paper hopes to analyze and study the banking supervision under the current financial supervision system of "one line, three sessions", and find out the shortcomings of the current banking supervision in terms of division of functions, information sharing, lender of last resort system, and so on. It also reveals the root problem of the nationalization of the Bank of China. After drawing lessons from the more mature foreign banking supervision system and various supervision methods, combined with the current development situation of China's banking industry, the direction of thinking is the reform trend of mixed operation. This paper puts forward the countermeasures and suggestions to perfect the banking supervision in China, hoping to play a valuable reference and reference significance in the development of banking supervision in China.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1

【参考文献】