我国国有商业银行监管问题研究

发布时间：2018-03-02 21:24

本文选题：国有商业银行　切入点：银行监管　出处：《东北师范大学》2008年硕士论文　论文类型：学位论文

【摘要】： 当前,以金融自由化、一体化和创新为主要特征的金融革命改变了银行的生存空间,也给银行带来了随之而来的金融危机。特别是90年代以后,许多发达国家、发展中国家都经历了相当严重的银行业危机。加强银行业监管,防范和化解银行业风险等问题已被各国银行监管当局和国际金融领域所普遍关注。就我国而言,2006年银行业履行WTO协议全面开放金融业的同时,我国的国有商业银行也积极进行了一系列的金融改革措施,特别是进行了金融体制改革,即进行股份制改革和不断完善公司治理结构等。因此,在新的形势下,如何加强对国有商业银行的监管,完善银行业监管体制,提高监管效率,维护银行业的稳定,已成为监管当局面临的一个紧迫而又关键的问题。我国进行银行监管的政府机构主要有中国人民银行和银监会,它们是我国政府顺应银行业发展趋势不断完善的监管产物,具有较浓的行政色彩。本文从行政管理的视角去研究银行监管的问题,采用了规范分析、实证分析、历史分析等研究方法,按照提出问题、分析问题和解决问题的原则,对我国国有商业银行监管存在问题进行全面分析,并提出了自己的具体对策建议,以期能为完善我国政府的银行监管做一些有意义的探索。本文首先论述了银行监管的基本理论,然后对我国国有商业银行监管的现状及存在问题进行分析,认为在银行监管体系、监管手段和内控机制、市场环境及人员管理等方面还存在着不健全乃至缺失,提出了相对应的解决对策,比如构建科学的银行监管体系;建立良好的市场约束环境;深化改革,加强内控;提高人员素质等。指出随着金融创新的发展,银行监管制度也要不断创新,加强监管的法制建设,推进监管协调机制,完善现场和非现场监管体系,不断提高银行监管水平,才能达到较好的政府监管效果。
[Abstract]:At present, the financial revolution, characterized by financial liberalization, integration and innovation, has changed the living space of banks and brought about the ensuing financial crisis to banks. Especially after 90s, many developed countries, Developing countries have all experienced quite serious banking crises. The prevention and solution of banking risks have been paid more and more attention by the banking regulatory authorities and the international financial field. As far as China is concerned, in 2006, the banking industry fully opened up the financial industry in accordance with the WTO agreement. The state-owned commercial banks of our country have also actively carried out a series of financial reform measures, especially the reform of the financial system, that is, the reform of the joint-stock system and the continuous improvement of the corporate governance structure. How to strengthen the supervision of state-owned commercial banks, improve the banking supervision system, improve the efficiency of supervision, and maintain the stability of the banking industry has become an urgent and critical problem faced by the supervisory authorities. The government agencies that carry out banking supervision in China mainly include the people's Bank of China and the Banking Regulatory Commission, which are the products of our government's continuous improvement in line with the development trend of the banking industry. This paper studies the problems of bank supervision from the perspective of administrative management, adopts normative analysis, empirical analysis, historical analysis and other research methods, according to the principles of problem raising, problem analysis and problem solving. This paper makes a comprehensive analysis of the problems existing in the supervision of state-owned commercial banks in China, and puts forward its own specific countermeasures and suggestions in order to make some meaningful explorations for perfecting the banking supervision of our government. This paper first discusses the basic theory of banking supervision, then analyzes the present situation and existing problems of the supervision of state-owned commercial banks in China, and points out that in the banking supervision system, supervision means and internal control mechanism, The market environment and personnel management are not perfect or even lack. The corresponding countermeasures are put forward, such as constructing a scientific banking supervision system, establishing a good market restraint environment, deepening reform, strengthening internal control, and so on. It is pointed out that with the development of financial innovation, the banking supervision system should also be innovated, the legal system of supervision should be strengthened, the coordination mechanism of supervision should be promoted, the on-site and off-site supervision system should be perfected, and the level of bank supervision should be continuously improved. In order to achieve a better effect of government supervision.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：F832.1

【引证文献】