《巴塞尔资本协议Ⅲ》下的银行风险监管对策研究

发布时间：2018-08-09 11:48

【摘要】：以2007年次级债务危机为导火线，世界范围内爆发了一场旷日持久、牵涉甚广的金融危机，给世界各国的经济发展带来了巨大而长远的影响。深究此次危机的根源和原因，可谓仁者见仁智者见智，但只有求根溯源，才能以史为鉴，，防微杜渐，更好地促进各国经济的发展。 随着资金融通的不断市场化和中央银行对利率调控手段的运用，利率变化的频率和幅度会进一步加快和扩大，从而银行所面临的利率风险也将进一步增大。犯罪种类和手段日益多样，造成的经济损失和影响也不断扩大，尤其是由于银行内部原因造成的金融欺诈和盗窃案件，使银行资金遭受损失的风险进一步加大。加强对商业银行风险监管的研究对于实践科学发展观重要思想，治理和优化经济发展环境，推进财政改革和建立公共财政体制框架，进而更好地促进依法理财，强化财政职能具有较大的理论价值和现实意义。 为了加强对银行业金融监管，提高我国银行对风险的抵御能力，创建更加稳定的金融体系，巴塞尔银行监管委员会通过了国际银行资本监管改革新规，即《巴塞尔资本协议Ⅲ》。在世界经济处于尚不明朗的恢复期，《巴塞尔资本协议Ⅲ》对各国银行业乃至世界经济的复苏将会带来怎样的影响，在金融界中不乏争议的声音。 本文立足于《巴塞尔资本协议Ⅲ》颁布和世界经济处于恢复期的宏观背景，分析新规对于世界主要经济体的影响，探索了《巴塞尔资本协议Ⅲ》下我国银行风险监管存在着信用风险、市场风险、流动风险、经营风险、制度风险等，从风险监管理念有偏差、风险监管机制不健全、风险识别衡量水平不先进、风险监管监控体系不完善、风险监管人才队伍素质不齐等方面分析了银行风险监管存在问题的原因，并在此基础上，阐述我国银行业对新规的应对措施，探讨我国商业银行风险未来的新发展方向，包括革新银行风险监管的理念、健全银行风险监管的体制、完善银行风险监管的机制、创新银行风险监管的方式方法等方面。
[Abstract]:With the subprime debt crisis in 2007 as the trigger, a long and extensive financial crisis broke out in the world, which has brought great and long-term impact to the economic development of countries all over the world. The root causes and causes of the crisis can be said to be different, but only by seeking the root of the source, can we learn from history, prevent the gradual development of the national economy, and better promote the economic development of all countries. With the continuous marketization of capital financing and the use of interest rate regulation and control means by the central bank, the frequency and extent of interest rate change will be further accelerated and expanded, thus the interest rate risk faced by banks will be further increased. The types and means of crimes are becoming more and more diverse, and the economic loss and influence caused by them are also expanding, especially because of the financial fraud and theft cases caused by the internal reasons of banks, which makes the risk of bank funds losing further increase. Strengthening the research on the risk supervision of commercial banks is of great importance to the practice of the scientific concept of development, governance and optimization of the environment for economic development, the promotion of financial reform and the establishment of the framework of the public financial system, and thus the better promotion of managing financial affairs according to law. It is of great theoretical value and practical significance to strengthen the financial function. In order to strengthen banking financial supervision, improve the ability of Chinese banks to resist risks, and create a more stable financial system, the Basel Committee on Banking Supervision adopted the new rules of international banking capital supervision reform, that is, Basel Capital Accord 鈪

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