银监会对地方农村信用社的行政性监管

发布时间：2018-03-20 21:13

本文选题：银监会　切入点：农村信用社　出处：《吉林财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：本文研究的主要内容是银监会对地方农村信用社的行政性监管，以往学者在研究银行业监管的时候大多把范围限定在金融业务管理范围内，本文的主要贡献是跳出业务领域，以行政性监管为主，转换研究思路，采用事实陈述、纵向对比等方法，结合农村信用社的特殊发展经历和在银行业中的特殊地位，以创建银监会对地方农村信用社行政监管的新手段、新思路为提高和创新银监会的监管方法和手段提出可行的建议。银行监管是银行监督和银行管理的合称，包括现场检查与非现场检查、市场准入与退出、外部监管与内部控制、货币政策与银行法执行情况的监督，行政性监管就把范围限定在行政领域内，全面的进行可靠的、安全性的检查，依法进行稳健经营保证金融机构全面的、经常性的检查和督促可以健康发展。银监会应对银行及其经营活动进行领导、协调、组织和控制等。农村信用社在我国金融体系中处于不可或缺的地位，它充当着我们农村金融体系主力军的作用，是连接着8亿农民的纽带①可是如何发挥好作用，，更好地为农村经济做贡献，农村信用社还有很漫长而艰苦的路要去努力，增加农民服务收入，无论是理论还是实践，都是我们要努力的方向。我们应该清楚的是，目前我国的银行监管还处于需要完善的状态，监管法制不够完善，监管内容、方式都还存在明显的问题，监管理念也还没有形成，监管手段也很不健全。农村信用社现在正处在改革的重要时期，如何才能做到高效、持续、稳健的金融监管是一段时间内需要深入探讨的话题，而为了使农村信用社达到稳健进取、专业规范、持续发展，银监会应对地方农村信用社依法加强监管。银监会依法加强对地方农村信用社的行政性监管，对实现农村信用社的可持续发展，深化农村信用社改革，全面建设小康社会，具有深远的历史意义和重要的现实意义。有效实施银行的行政性监管应具有综合性、审慎性、有效性等特征，从完善外部监管上看，从我国的实际情况出发，结合当前的国际经济局面，我国的银行业监管更加应该更多的关注到完善制度建设，建立与国际金融相接轨的监管理念。
[Abstract]:The main content of this paper is the administrative supervision of local rural credit cooperatives by CBRC. In the past, most scholars limited the scope of banking supervision to the scope of financial business management. The main contribution of this paper is to jump out of the business field. Taking administrative supervision as the main factor, changing research ideas, adopting the methods of fact statement and vertical contrast, combining the special development experience of rural credit cooperatives and their special status in banking, In order to establish a new method of administrative supervision of local rural credit cooperatives by CBRC, new ideas are put forward for improving and innovating the supervision methods and means of CBRC. Bank supervision is the joint name of bank supervision and bank management. Including on-site inspection and off-site inspection, market access and exit, external supervision and internal control, supervision of the implementation of monetary policy and banking law, administrative supervision will limit its scope to the administrative field, and it will be reliable in a comprehensive manner. The inspection of safety shall be carried out according to law to ensure that the financial institutions are in a comprehensive and regular manner. The CBRC shall lead, coordinate, organize and control the banks and their business activities. Rural credit cooperatives are in an indispensable position in the financial system of our country. They act as the main force of our rural financial system and are the bonds connecting 800 million peasants. However, how to play a good role and make better contributions to the rural economy, Rural credit cooperatives still have a long and hard way to work on. Increasing the income of farmers' services, both theoretical and practical, is the direction of our efforts. We should make it clear that, At present, the banking supervision in our country is still in a state of need of perfection, the legal system of supervision is not perfect enough, there are still obvious problems in the contents and ways of supervision, and the concept of supervision has not yet been formed. Rural credit cooperatives are now in an important period of reform. How to achieve efficient, sustainable and sound financial supervision is a topic that needs to be discussed in depth for a period of time. In order to ensure steady progress, professional standardization and sustainable development of rural credit cooperatives, the CBRC should strengthen the supervision of local rural credit cooperatives in accordance with the law, and the CBRC should strengthen the administrative supervision of local rural credit cooperatives in accordance with the law. It is of profound historical and practical significance to realize the sustainable development of rural credit cooperatives, deepen the reform of rural credit cooperatives and build a well-off society in an all-round way. From the point of view of perfecting external supervision, considering the actual situation of our country and the current international economic situation, the banking supervision of our country should pay more attention to perfecting the system construction. To establish the concept of regulation in line with international finance.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

【参考文献】