外资商业银行有效监管机制研究

发布时间：2018-04-27 20:33

本文选题：外资 + 商业银行　；参考：《复旦大学》2012年硕士论文

【摘要】：中国加入WTO已逾十年。其间,中国银行业切实履行开放义务,取消对外资银行经营地域、客户对象和其他方面的非审慎性限制,在WTO承诺基础上对外资银行实行国民待遇。在贯彻落实银行业对外开放战略部署的过程中,外资银行监管部门顺应中国银行业改革总体趋势,紧密结合国内外经济金融形势,重视监管能力和执行力建设,寓监管于服务,实现了稳妥有序开放,促进了外资银行在华稳健发展。与此同时,随着中国改革开放政策的不断深入,外资商业银行近些年呈加速进入中国市场的趋势。面对着纷繁复杂的国际国内经济形势,如何构建针对外资商业银行的有效监管体制日益显得重要和紧迫。在次贷危机后的今天,如何就政府对外资商业银行监管有效性问题进行研究是本文主旨所在。文章通过回顾中国外资商业银行的发展状况,描述现行监管制度的基本框架,分析现行监管体制的运行状况,从东道国政府的角度,既能肯定所取得的成绩,更要挖掘政府对外资商业银行监管有效性不足的问题及其原因；运用行政管理学等原理阐述政府对外资商业银行监管的理论依据；通过不同国家政府监管实践的国际比较,得到了如何构建和完善中国政府对外资商业银行监管体系的有益启示。也就是说,如何确定有效监管的目标,构建监管的组织体系、制度体系、运行体系和对监管者的监督体系是文章的核心内容。全文共分为四大部分。第一部分阐述政府对外资商业银行有效监管的理论,这是全文研究和分析的基础。第二部分分析研究中国政府对外资商业银行监管现状,并指出存在的主要问题,共用两个章节来分别论述。第三部分通过对不同国家和地区政府对外资商业银行监管的具体实践进行国际比较,从而为中国监管体制的改革和创新提供借鉴。第四部分主要论述如何构建和完善中国政府对外资商业银行监管的有效体系,力图为目前监管体制中存在的有效性不足等问题寻找解决方案。
[Abstract]:More than ten years have passed since China joined the WTO. During this period, the Chinese banking industry conscientiously fulfilled the opening obligation, removed the non-prudential restrictions on the foreign banks' operating regions, clients and other aspects, and implemented the national treatment on the basis of the WTO commitments. In the process of implementing the strategy of opening up to the outside world, the supervision departments of foreign banks conform to the general trend of China's banking reform, closely integrate the economic and financial situation at home and abroad, attach importance to the construction of supervision capacity and executive power, and put supervision in the service. A steady and orderly opening has been achieved, and the steady development of foreign banks in China has been promoted. At the same time, with the deepening of China's reform and opening policy, foreign commercial banks have accelerated to enter the Chinese market in recent years. Facing the complicated international and domestic economic situation, it is increasingly important and urgent to establish an effective supervision system for foreign commercial banks. After the subprime mortgage crisis, how to study the effectiveness of government supervision of foreign commercial banks is the main purpose of this paper. This paper reviews the development of foreign commercial banks in China, describes the basic framework of the current regulatory system, and analyzes the operational status of the current regulatory system. From the point of view of the host government, it can confirm the achievements made. It is also necessary to explore the problems and reasons for the insufficient effectiveness of the government's supervision of foreign commercial banks; to use the principles of administrative management to explain the theoretical basis of the government's supervision of foreign commercial banks; and to make an international comparison of the practice of government supervision in different countries. How to construct and perfect the supervision system of foreign commercial banks. That is to say, how to determine the goal of effective supervision and how to construct the organization system, system system, operation system and supervision system of supervision are the core contents of this paper. The full text is divided into four parts. The first part expounds the theory of the government's effective supervision of foreign commercial banks, which is the basis of the full text research and analysis. The second part analyzes the current situation of Chinese government's supervision of foreign commercial banks, and points out the main problems, which are discussed separately in two chapters. The third part makes an international comparison of the specific practices of the governments of different countries and regions on the supervision of foreign commercial banks in order to provide reference for the reform and innovation of China's regulatory system. The fourth part mainly discusses how to construct and perfect the effective system of Chinese government's supervision of foreign commercial banks, and tries to find a solution to the problems of insufficient effectiveness in the current supervision system.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

【共引文献】