我国商业银行监管体制研究

发布时间：2018-05-12 08:37

本文选题：商业银行 + 监管体制　；参考：《东北财经大学》2013年硕士论文

【摘要】：现代一切经济活动几乎都离不开货币资金运动,金融业具有货币资金的筹集融通以及优化资金配置等功能,在当代世界各国的金融体系中,商业银行以机构众多、业务量大、辐射面广、资本雄厚而成为各国金融体系的核心部分。银行作为高负债经营行业,其运营特点是使用自身少量的资本运作巨额资产,在国民经济的发展中具有牵一发而动全身的特殊地位。银行体系的安全稳定运行能够优化配置金融资源,从而带动整个国民经济的快速发展。同时,银行业的外部性和高风险性也是其他行业所不能比拟的,一旦发生银行风险,势必会影响经济社会全局发展,大幅削弱社会整体福利。20世纪80年代以来,随着金融自由化程度的深化以及信息技术的飞速发展,银行业不断进行金融产品创新,这使得银行业所面临的各类风险在不断加剧。因而,寻求有效完善的商业银行监管体制以防范银行危机及金融风险,保障金融体系的安全稳定性,是政府监管的重要研究课题。2003年中国银行业监督管理委员会(简称银监会)正式成立,将银行监管的主要职能从中央银行分离出来,这标志着我国的银行监管由原先只有中国人民银行一家监管的单一集中模式向“一行三会”(中国人民银行、银监会、保监会、证监会)的分业监管模式转变。随着全球经济一体化的深入,我国金融市场的对外开放程度不断提高,银行业等金融行业的风险进一步加大,混业经营成为大势所趋,我国的银行监管面临着更大的挑战,而现行的银行监管体制中存在不少亟待解决的问题。分析我国商业银行监管体制中存在的问题及相关的对策研究,对于推进商业银行发展、防范与化解金融风险、实现国民经济运行的稳健与安全具有重要意义。本文在全球金融一体化和入世后我国银行业进一步对外开放的背景下,对商业银行监管的相关理论进行阐述,分析我国商业银行监管体制的现状及存在的问题,在借鉴发达国家商业银行体制改革的成功经验的基础上,寻求我国商业银行监管体制的改革方向,以提升我国政府对商业银行的监管水平,促进银行业及整个金融业健康、平稳发展。本文研究具体内容,包括以下七章：第一章,导论部分。介绍本论文的写作背景及意义；对国内外相关研究进行综述；阐述论文的研究内容、研究思路及研究方法,提出文本的创新之处。第二部分,商业银行监管的基本概述。阐述我国商业银行监管的基本概念及基本内容,并介绍了与商业银行监管相关的理论。第三部分,分析我国商业银行监管体制的现状。对目前我国商业银行监管的组织框架及其基本职能、商业银行监管的相关法律制度、监管控制制度等进行分析。第四部分,对我国商业银行监管体制中存在的问题进行分析和阐述,包括监管机构之间缺乏有效的协调、商业银行内控建设与同业自律不足、相关法律制度不完善等。第五部分,对发达国家商业银行监管体制的发展历程及特点进行梳理,得出其成功经验对构建我国商业银行监管体制的启示。第六部分,根据我国商业银行监管体制中存在的问题以及国际经验的启示,提出了我国商业银行监管体制的改革措施,包括建立有效的监管协调和沟通机制、完善银行内部控制和行业自律制度、建立存款保险制度、完善商业银行监管的相关法律制度。第七部分,结论。提炼本文的主要观点,本文的主要结论是：商业银行在金融领域具有牵一发而动全身的特殊地位,因此需要建立完善有效的监管体制防范银行风险；我国现行的分业监管体制与混业经营的矛盾逐渐显露,我国的银行监管体制还存在不少亟待解决的问题；对于我国商业银行监管体制中出现的问题,需要进行有针对性的改革,有所创新,才能完善我国的商业银行监管体制,促进银行业及整个金融业健康、平稳发展。
[Abstract]:All the modern economic activities are almost inseparable from the movement of money and funds, the financial industry has the functions of financing and financing and optimizing the allocation of funds. In the financial system of all countries of the world, commercial banks have become the core part of the financial system of various countries, with numerous institutions, large amount of business, extensive radiation, and abundant capital. The operation characteristic of high debt management industry is to use a small amount of capital to operate a huge amount of assets, and it has a special position in the development of the national economy. The safe and stable operation of the banking system can optimize the allocation of financial resources and promote the rapid development of the whole national economy. At the same time, the externality and the externality of the banking industry High risk is also incomparable in other industries. Once the bank risks occur, it is bound to affect the global development of the economy and society and greatly weaken the overall welfare of the society in the 80s of.20. With the deepening of financial liberalization and the rapid development of information technology, the banking industry continues to innovate the financial products, which makes the banking industry All kinds of risks are increasing. Therefore, to seek effective and perfect regulatory system of commercial banks to prevent bank crises and financial risks and to ensure the security and stability of the financial system is an important research subject of government supervision. The Chinese Banking Regulatory Commission (the CBRC) has been formally established in.2003 and the main supervision of the bank. The separation of functions from the central bank indicates that China's banking regulation has changed from a single centralized mode of supervision by the people's Bank of China to the "one line of three meetings" (the people's Bank of China, the Banking Regulatory Commission, the CIRC, the SFC). The risk of the banking industry, such as the banking industry is increasing, the risk of the banking industry is further increased, and the mixed operation has become the trend of the times. China's banking supervision is facing a greater challenge, and there are many problems to be solved in the current banking regulatory system.
The analysis of the problems and related countermeasures in the regulatory system of commercial banks in China is of great significance for promoting the development of commercial banks, preventing and resolving financial risks and realizing the stability and safety of the national economic operation. On the basis of the successful experience of the commercial bank system reform in the developed countries, the reform direction of the commercial bank supervision system in China is sought on the basis of the successful experience of the commercial bank system reform in the developed countries, in order to improve the regulatory level of the government government to commercial banks and promote the banking industry, The whole financial industry is healthy and steady.
This paper studies the specific content, including the following seven chapters:
The first chapter, introduction part, introduces the background and significance of this paper, summarizes the relevant research at home and abroad, expounds the content of the research, research ideas and research methods, and puts forward the innovation of the text.
The second part, the basic overview of commercial bank supervision, expounds the basic concepts and basic contents of the supervision of commercial banks in China, and introduces the theories related to the supervision of commercial banks.
The third part analyzes the current situation of the regulatory system of commercial banks in China, and analyzes the organizational framework and its basic functions of the current commercial bank supervision, the relevant legal system of commercial bank supervision and supervision and control system.
The fourth part analyzes and expounds the problems existing in the regulatory system of commercial banks in China, including the lack of effective coordination among the regulatory agencies, the lack of internal control construction of commercial banks and the lack of self-discipline of the same industry, and the imperfect related legal systems.
In the fifth part, the development process and characteristics of the commercial bank supervision system in developed countries are combed, and the Enlightenment of its successful experience to the construction of the regulatory system of commercial banks in China is drawn.
In the sixth part, according to the problems existing in the regulatory system of commercial banks in China and the Enlightenment of international experience, the reform measures for the regulatory system of commercial banks in China are put forward, including the establishment of effective regulatory coordination and communication mechanism, the improvement of the internal control and self-discipline system of the banks, the establishment of a deposit insurance system, and the improvement of the supervision of commercial banks. The relevant legal system.
The seventh part, the main conclusion of this article, the main conclusion of this article is that commercial banks have a special position in the financial field, so we need to establish a perfect and effective supervision system to prevent the bank risk; the contradiction between the current division supervision system and the mixed operation of our country is gradually revealed, the bank supervision of our country There are still a lot of problems to be solved in the management system. In order to improve the banking regulatory system and promote the health of the banking industry and the whole financial industry, the problems arising in the regulatory system of China's commercial banks need to be innovated and innovated.

【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1

【参考文献】