内蒙古自治区商业银行金融监管中存在的问题及对策研究
发布时间：2018-12-17 09:25
【摘要】：金融监管是指政府通过特定的机构(如中央银行)以依法维护金融市场的公开、公正、有序竞争,有效防范化解金融风险,保护广大存款人、投资者和被保险人的利益为目标,对金融交易行为主体进行某种限制或规定,继而实现对金融市场进行金融监督和金融管理的一种监督管理活动’。随着世界经济一体化的不断深入,政府部门正在从仅仅为自由经济市场充当“守夜人”的角色,逐渐实现通过积极干预经济来调节国民收入再分配的一个转变。这一转变遵循了一条危机导向的路径,即通过资本主义国家由于体制上的缺陷而不断爆发危机和对危机本身认识的不断深入,推动了金融监管再创新,在监管机构与相关主体不断博弈的过程中获得发展。目前金融市场由于金融自由化和全球化等因素的推进,金融监管永远不可能达到完美无缺的状态。本文正是基于我国及内蒙古自治区目前在监管中存在的问题,而对目前存在问题提出解决方案,尽量把危害金融市场的因素消灭在萌芽状态。尤其是目前商业银行在混业经营的模式下,不断提高金融创新能力,增强竞争力,同时又使得金融产品的风险更加复杂和难以控制。在现阶段内蒙古自治区的各家商业银行无论是人员素质还是风险内控机制落实都不是很理想,因此相对我国发达地区来说,混业经营会更加放大金融风险,影响金融市场的稳定。这样的形式下,对于人行自治区分行或者是内蒙古银监会来说,有必要通过提升监管人员素质,革新监管流程、丰富监管手段来提高对商业银行的监管效率,防范风险。 本文首先回顾了金融监管发展历程,明确了金融监管的基本概念,其次分析了发达国家金融监管的模式,并和我国进行了对比,由此得出了国际通行的金融监管经验启示。再次,通过进一步细化分析内蒙古自治区商业银行经营情况,得出了混业经营对于现阶段内蒙古治自区金融监管体系形成的挑战,最后得出内蒙古自治区银行业金融监管的改进策略。
[Abstract]:Financial supervision means that the government, through specific institutions (such as the central bank), aims to safeguard the openness, fairness and orderly competition of the financial market in accordance with the law, effectively prevent and defuse financial risks, and protect the interests of depositors, investors and insured persons. To restrict or regulate the subject of financial transaction, and then to realize a kind of supervision and management of financial market. With the deepening of the integration of the world economy, government departments are gradually realizing a change in adjusting the redistribution of national income by actively intervening in the economy from merely acting as a "night-watchman" for the free economic market. This shift followed a crisis-oriented path, that is, through the constant outbreak of crises in capitalist countries due to institutional shortcomings and the deepening of their understanding of the crisis itself, financial regulation has been renewed. In the regulatory bodies and related subjects in the process of continuous game has been developed. At present, due to financial liberalization and globalization, financial supervision can never be perfect. This paper is based on the existing problems in supervision in China and Inner Mongolia Autonomous region, and puts forward solutions to the existing problems, and try to nip the factors that harm the financial market in the bud state. Especially, under the mode of mixed operation, commercial banks constantly improve their ability of financial innovation and enhance their competitiveness. At the same time, the risks of financial products are more complex and difficult to control. At this stage, the various commercial banks in Inner Mongolia Autonomous region are not ideal either in terms of personnel quality or the implementation of the internal risk control mechanism. Therefore, compared with the developed regions in China, mixed operation will amplify financial risks even more. Affect the stability of financial markets. In such a form, it is necessary for the PBOC branch or the Inner Mongolia Banking Regulatory Commission to improve the supervision efficiency of commercial banks and guard against risks by improving the quality of supervisors, innovating the supervision process and enriching the means of supervision. This paper reviews the development course of financial supervision, clarifies the basic concept of financial supervision, and then analyzes the model of financial supervision in developed countries, and compares it with that of our country, and draws the inspiration of international financial supervision experience. Thirdly, through further detailed analysis of the operation of commercial banks in Inner Mongolia Autonomous region, the challenges of mixed operation to the formation of financial supervision system in Inner Mongolia Autonomous region at present are obtained. Finally, the improvement strategy of banking financial supervision in Inner Mongolia Autonomous region is obtained.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7
本文编号：2384019
[Abstract]:Financial supervision means that the government, through specific institutions (such as the central bank), aims to safeguard the openness, fairness and orderly competition of the financial market in accordance with the law, effectively prevent and defuse financial risks, and protect the interests of depositors, investors and insured persons. To restrict or regulate the subject of financial transaction, and then to realize a kind of supervision and management of financial market. With the deepening of the integration of the world economy, government departments are gradually realizing a change in adjusting the redistribution of national income by actively intervening in the economy from merely acting as a "night-watchman" for the free economic market. This shift followed a crisis-oriented path, that is, through the constant outbreak of crises in capitalist countries due to institutional shortcomings and the deepening of their understanding of the crisis itself, financial regulation has been renewed. In the regulatory bodies and related subjects in the process of continuous game has been developed. At present, due to financial liberalization and globalization, financial supervision can never be perfect. This paper is based on the existing problems in supervision in China and Inner Mongolia Autonomous region, and puts forward solutions to the existing problems, and try to nip the factors that harm the financial market in the bud state. Especially, under the mode of mixed operation, commercial banks constantly improve their ability of financial innovation and enhance their competitiveness. At the same time, the risks of financial products are more complex and difficult to control. At this stage, the various commercial banks in Inner Mongolia Autonomous region are not ideal either in terms of personnel quality or the implementation of the internal risk control mechanism. Therefore, compared with the developed regions in China, mixed operation will amplify financial risks even more. Affect the stability of financial markets. In such a form, it is necessary for the PBOC branch or the Inner Mongolia Banking Regulatory Commission to improve the supervision efficiency of commercial banks and guard against risks by improving the quality of supervisors, innovating the supervision process and enriching the means of supervision. This paper reviews the development course of financial supervision, clarifies the basic concept of financial supervision, and then analyzes the model of financial supervision in developed countries, and compares it with that of our country, and draws the inspiration of international financial supervision experience. Thirdly, through further detailed analysis of the operation of commercial banks in Inner Mongolia Autonomous region, the challenges of mixed operation to the formation of financial supervision system in Inner Mongolia Autonomous region at present are obtained. Finally, the improvement strategy of banking financial supervision in Inner Mongolia Autonomous region is obtained.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7
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