我国商业银行监管模式与完善措施研究

发布时间：2018-01-03 11:44

本文关键词：我国商业银行监管模式与完善措施研究　出处：《华东师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：美国次贷危机是自1929年之后最严重的经济危机,给全球经济造成了极大的负面影响。金融监管与金融创新没能保持进度一致,归根究底,造成危机的原因被认为是监管缺失。之后,英国、德国、美国、日本及欧盟等相继制定了金融监管的有效改革方案,并开始反思自身监管体制方面的欠缺。此后,我国的银监会在一定程度上削减了金融危机对国内银行的冲击,但是仍然会有其弊病。在我国全部金融资产中,九成以上是银行业资产,这就意味着经济能否稳步增长的一个举足轻重的因素就在于整个银行系统是否能稳健运行,银行监管的必要性也就不容忽视。本文首先从银行的特点引出银行监管的必要性,引述了商业银行监管模式的基本理论。回顾了商业银行监管模式的历史演变、发展和现有制度及未来展望。接着阐述了银行监管模式的一般理论,例举了国际上以银行监管主体为分类标准的五种常见的银行监管模式以及以央行具体职责为分类标准的两种监管模式。随后通过对我国金融监管模式的效率及特点的研究,选用不同指标来综合评价了我国金融监管的有效性。进而通过比较不同监管主体模式之间的区别,指出国际上较为成功的监管模式中值得我国借鉴之处。最后就我国银行监管制度中现有的问题提出了构建中国特色银行监管制度的框架和改进对策,论述了我国商业银行监管模式改进的适用原则,特别提出有效银行监管的新观点：加强对银行外部市场约束和内部治理、加强对监管部门自身的内部整顿。本文结论是目前银监会和央行对银行业实行双重监管是符合中国国情的,随着国际金融一体化的推进,分业经营制度是符合当前需求的,这样能够有的放矢地针对监管对象的特点,理清监管制度中各方关系,不断完善监管办法和手段,逐步规避长期以来累积的金融风险,而随着监管制度的不断完善,混业经营也必然会自然地走上前台。
[Abstract]:The subprime mortgage crisis in the United States is the most serious economic crisis since 1929, which has caused a great negative impact on the global economy. Financial supervision and financial innovation did not keep the same progress, in the final analysis. The crisis is thought to be the result of regulatory deficiencies. Then, Britain, Germany, the United States, Japan and the European Union have worked out effective reform programs for financial regulation. Since then, the CBRC has reduced the impact of the financial crisis on the domestic banks to a certain extent, but there will still be its drawbacks. More than 90% are banking assets, which means that a decisive factor for steady economic growth is whether the whole banking system can operate steadily, and the necessity of bank supervision should not be ignored. This paper first draws the necessity of bank supervision from the characteristics of banks, quotes the basic theory of commercial bank supervision model, and reviews the historical evolution of commercial bank supervision model. The development and the present system and the future prospect. Then elaborated the general theory of the bank supervision pattern. This paper gives an example of five common banking supervision models with the main body of banking supervision as the classification standard and two kinds of supervision models based on the specific responsibilities of the central bank in the world. Then, through the analysis of the efficiency and special features of the financial supervision model in our country. Point of study. Choose different indicators to comprehensively evaluate the effectiveness of financial supervision in China, and then compare the differences between different main regulatory models. The author points out that the more successful supervision mode in the world is worthy of our country's reference. Finally, the paper puts forward the framework and improvement measures to construct the banking supervision system with Chinese characteristics on the existing problems in the banking supervision system of our country. This paper discusses the applicable principles of improving the supervision mode of commercial banks in China, especially puts forward a new viewpoint of effective banking supervision: strengthening the external market constraints and internal governance of banks. The conclusion of this paper is that the dual supervision of the banking sector by the CBRC and the central bank is in line with the national conditions of China, along with the promotion of international financial integration. The separate operation system is in line with the current needs, so it can be targeted at the characteristics of the regulatory object, clear the relationship between the parties in the regulatory system, and constantly improve the monitoring methods and means. Gradually avoid the accumulated financial risks for a long time, and with the continuous improvement of the regulatory system, mixed operation will naturally come to the foreground.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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