我国商业银行监管体制改革研究

发布时间：2018-07-01 15:48

本文选题：银行监管体制 + 宏观审慎监管　；参考：《南京大学》2012年硕士论文

【摘要】：本文结合国内外现有研究和多国银行监管体制改革实践,对银行监管体制进行了系统性分类研究,并通过定性和定量分析研究了我国银行监管体制的目标实现效果及存在的相关问题,给出了我国银行监管体制的改革框架。本文首先对银行监管理论进行了系统性研究,进而深入分析了银行监管体制构建理念的演变过程,建立了同时考量监管主体形式和监管机构构建思路的银行监管体制分类模式,将当前的银行监管体制分成六大类并分别对各体制的特点进行了探讨。同时,本文结合发达国家的银行监管体制改革经验,分析并总结了金融危机后银行监管面临的挑战和各国的改革趋势,经笔者分析,由于金融危机凸显了银行业系统性风险管理的重要性,各国纷纷开始设立宏观审慎监管部门,银行监管体制也由功能型向目标型转变。针对我国的二元化银行监管体制,笔者分别采用比较分析方法和实证研究方法对监管体制的目标实现效果进行了考察,得出我国目前的二元化银行监管体制的目标实现效果基本良好,但我国当前的监管体制存在监管职能划分模糊、宏观审慎监管缺失、监管主体和救助主体分离等问题,影响了我国银行监管的效果。对此,笔者给出了分步骤的我国监管体制改革框架,短期改革目标是对现有的二元化监管体制进行完善,在职能划分和协调沟通上做出相关改进,并明确系统性风险的监管责任;中长期目标是由功能型监管向目标型监管、由多元化监管向一体化监管的转变,建立金融稳定委员会承担金融机构的目标型统一监管职能。
[Abstract]:Based on the existing research at home and abroad and the practice of banking supervision system reform in many countries, this paper makes a systematic classification study on the banking supervision system. Through qualitative and quantitative analysis, the paper studies the effect of the target realization of the banking supervision system in China and the existing problems, and gives the framework of the reform of the banking supervision system in our country. Firstly, this paper makes a systematic study on the theory of banking supervision, and then analyzes the evolution process of the concept of banking supervision system, and establishes a classification model of banking supervision system, which considers the form of the main body of supervision and the ideas of the construction of the regulatory body at the same time. The current banking supervision system is divided into six categories and the characteristics of each system are discussed. At the same time, based on the experience of banking supervision system reform in developed countries, this paper analyzes and summarizes the challenges and reform trends of banking supervision after the financial crisis. As the financial crisis highlights the importance of systemic risk management in banking, various countries have begun to set up macro-prudential supervision departments, and the banking regulatory system has also changed from functional to targeted. In view of the dualistic banking supervision system in China, the author uses the comparative analysis method and the empirical research method to investigate the effect of the target realization of the regulatory system. It is concluded that the goal of the current dual banking supervision system in our country has achieved a good result, but there are some problems in the current regulatory system, such as fuzzy division of supervision functions, lack of macro-prudential supervision, separation of the main body of supervision from the main body of rescue, and so on. It affects the effect of banking supervision in China. In view of this, the author gives a step by step framework of regulatory system reform in China. The short-term goal of the reform is to perfect the existing dual regulatory system, and to make relevant improvements in the division of functions and coordination and communication. The medium- and long-term goal is to change from functional supervision to targeted supervision, from diversified supervision to integrated supervision, and to establish the Financial Stability Board to take on the function of unified and targeted supervision of financial institutions.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.1

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