协同监管信贷集中风险的制度优化和建议研究

发布时间：2018-03-04 09:31

本文选题：协同监管　切入点：协同学　出处：《安徽财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国银行业中信贷集中的现象一直都存在。特别是2009年宽松的货币政策以后,信贷集中的现象尤为突出,如果不加以调控,这将会对商业银行未来的正常运行带来严重的影响。不仅仅是商业银行,信贷集中风险也会导致区域之间经济发展失衡。除此之外,小微企业发展将会由于资金不足问题受到约束。信贷集中风险是我们银行业风险监管的薄弱环节,通过建立有效的信贷集中风险监管制度,不仅可以实现银行稳定高效的运行发展,同时亦可以实现信贷资源的合理配置。目前传统理论对解决信贷集中监管问题的局限性越来越明显。现代科学理论——协同学的普适性和充分有效性,可以优化现有的信贷集中风险监管,使其充分发挥监管作用。同时,为信贷集中风险监管的研究开辟了一条新的途径。本文以系统科学——协同学作为理论基础,认为信贷集中风险监管系统具备开放性、稳定性、复杂性和自组织性等特征。通过对银企关系价值链的分析去发掘其协同监管的机会。并在监管成本最小的前提下,优化综合监管层、行业监管层和企业监管层的协同监管框架。遵循预警性、整体性、科学性和公开性原则,优化协同监管决策机制和搭建协同监管信息平台;根据监管互动和协同监管倍增原理,对协同监管信贷集中风险的协同组织、制度建设和制度执行进行系统优化;从协同学和制度完善视角,把防范和化解结构性信贷集中风险纳入宏观金融调控体系,在金融监管、货币政策和实体经济协调发展内生框架中,政策取向和具体措施两个层面,紧紧围绕“完善金融监管框架和协调机制”,为分散和化解信贷集中风险,提出了一些可操作性强的政策建议和策略组合。
[Abstract]:The phenomenon of credit concentration in China's banking industry has always existed. Especially after the loose monetary policy in 2009, the phenomenon of credit concentration is particularly prominent, if it is not regulated, This will have a serious impact on the future normal operation of commercial banks. Not only the commercial banks, but also the risk of credit concentration will lead to the imbalance of regional economic development. In addition, The development of small and micro enterprises will be constrained by the shortage of funds. Credit concentration risk is the weak link of our banking risk supervision, by establishing an effective credit concentration risk supervision system. It is not only possible to achieve stable and efficient operation and development of banks, At the same time, it can also realize the rational allocation of credit resources. At present, the limitation of traditional theory to solve the problem of credit centralized supervision is becoming more and more obvious. At the same time, it opens up a new way for the study of credit concentration risk supervision. It is considered that the credit centralized risk supervision system has the characteristics of openness, stability, complexity and self-organization. Through the analysis of the value chain of the relationship between banks and enterprises, the opportunities of cooperative supervision are explored. To optimize the cooperative regulatory framework of integrated supervision layer, industry supervision layer and enterprise supervision layer, follow the principles of early warning, integrity, science and openness, optimize the decision-making mechanism of cooperative supervision and build the information platform of collaborative supervision; According to the principle of regulatory interaction and synergistic supervision multiplication, this paper systematically optimizes the cooperative organization, system construction and system implementation of the credit concentration risk of collaborative supervision, and from the perspective of Synergetics and system perfection, In the endogenous framework of financial supervision, monetary policy and the coordinated development of the real economy, there are two levels of policy orientation and concrete measures to prevent and resolve the structural credit concentration risk into the macro-financial control system. Focusing on "perfecting the financial regulatory framework and coordinating mechanism", this paper puts forward some feasible policy suggestions and strategic combinations to disperse and resolve the credit concentration risk.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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