我国商业银行风险管理中的政府监管研究

发布时间：2018-04-10 04:11

本文选题：商业银行　切入点：政府监管　出处：《内蒙古师范大学》2017年硕士论文

【摘要】：金融机构在国民经济中扮演着重要的角色,与经济发展和社会稳定息息相关,金融机构可以调节、反映、监督经济发展,并优化资金配置。在现代经济中,银行业作为金融机构的主体,处于中心位置。二十世纪八十年代以来,世界各国银行业的发展日新月异,竞争也日趋激烈,经营风险也随之而来,尤其是银行业危机事件的出现受到了国际社会的广泛关注。自我国加入WTO以来,市场开放程度日益提高,金融市场的竞争也更加激烈,伴随而来的经营风险也越来越大。在银行业中,商业银行是“主角”,是一国金融体制改革中无可替代的部分。而政府监管对于银行业的健康稳健发展起着至关重要的作用。但在我国银行业不断发展和改革的过程中,政府部门对于银行业监管并不尽如人意,凸显出监管的缺失和错位。通过借鉴和运用国外先进的监管理念,可以帮助我国商业银行建立起现代全面风险管理体系。目前,我国的政府监管正处于由合规性监管向风险性监管过渡的阶段,只有将监管能力不断提高,对商业银行监管体系逐步改善直至最优化,这样才可以使商业银行在市场经济中具备强大的抗风险能力,在面对困难时可以有能力来克服,遇到机遇时又可以及时把握,确保我国商业银行得以稳健地运行和发展。本文以国内外商业银行风险管理及政府监管的相关理论为基础,通过分析我国商业银行风险管理中的政府监管现状,找出我国政府对商业银行风险监管体系中存在的主要问题,分析其产生问题的原因,并结合内蒙古包商银行的实际对监管体系提出可行性建议。
[Abstract]:Financial institutions play an important role in the national economy and are closely related to economic development and social stability. Financial institutions can adjust reflect and supervise economic development and optimize the allocation of funds.In the modern economy, the banking industry, as the main body of financial institutions, is in the central position.Since the eighties of the 20th century, the banking industry in the world has been developing with each passing day, the competition is becoming more and more fierce, and the risk of management has followed. Especially, the emergence of banking crisis has been paid more and more attention by the international community.Since China's entry into WTO, the degree of market opening is increasing, the competition of financial market is becoming more and more fierce, and the management risk is becoming more and more great.In banking, commercial banks are the protagonists and an irreplaceable part of a country's financial system reform.Government supervision plays a vital role in the healthy and steady development of the banking industry.However, in the process of continuous development and reform of banking industry in China, government departments are not satisfied with banking supervision, which highlights the lack and dislocation of supervision.By drawing lessons from and applying foreign advanced supervision ideas, we can help our commercial banks to set up a modern comprehensive risk management system.At present, the government supervision in our country is in the transition stage from compliance supervision to risky supervision. Only by improving the supervision ability and improving the supervision system of commercial banks step by step until the optimization.Only in this way can commercial banks have strong ability to resist risks in market economy, be able to overcome difficulties, grasp opportunities in time, and ensure the steady operation and development of commercial banks in our country.Based on the relevant theories of risk management and government supervision of commercial banks at home and abroad, this paper analyzes the current situation of government supervision in the risk management of commercial banks in China, and finds out the main problems existing in the risk supervision system of commercial banks in our country.This paper analyzes the causes of the problems, and puts forward some feasible suggestions on the supervision system based on the practice of Inner Mongolia contractor Bank.
【学位授予单位】：内蒙古师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D630;F832.33

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