试析我国银行监管存在的问题及其解决措施

发布时间：2018-10-12 19:54

【摘要】：银行在当代社会经济发展中的核心地位和功能作用,决定了银行监管的重要性和必要性;当前我国银行面临的国际国内环境,则决定了加强和改进银行监管的现实紧迫性。本文基于银行监管的相关知识和基础理论,立足于我国银行监管的探索实践,从探讨银行监管的概念、目标、重要性、特殊性、主要内容等基本问题入手,分析了当前我国银行监管中存在的管理理念比价落后、缺乏有效监管协调机制、银行市场退出机制不够灵活、法律制度不够健全等问题,并坚持理论与实践相结合,从多角度、多学科领域,就银行监管的监管成本分析、制度体系完善、部门协调沟通、退出机制、方法创新等方面对解决当前银行监管中存在的问题、促进银行稳定健康发展提供了一些举措建议,对提升我国银行监管的科学性、有效性,促进我国银行业的健康发展和社会经济的有序运行具有积极的参考意义和借鉴价值。
[Abstract]:The core position and function of banks in the contemporary social and economic development determine the importance and necessity of bank supervision, while the international and domestic environment facing banks in China determines the practical urgency of strengthening and improving banking supervision. Based on the relevant knowledge and basic theory of banking supervision, this paper is based on the exploration and practice of banking supervision in China, starting with the discussion of the concept, goal, importance, particularity, main content and other basic problems of banking supervision. This paper analyzes the problems existing in the present banking supervision in China, such as the backward management concept, the lack of effective supervision coordination mechanism, the lack of flexibility of the withdrawal mechanism of the bank market, the inadequacy of the legal system, and so on, and insists on combining theory with practice and from various angles. To solve the problems existing in banking supervision in the aspects of multi-disciplinary field, analysis of supervision cost, perfect system, coordination and communication between departments, exit mechanism, method innovation, etc. Some suggestions are provided to promote the stable and healthy development of the banks. It has positive reference significance and reference value for improving the scientific and effective banking supervision and promoting the healthy development of the banking industry and the orderly operation of the social economy in our country.
【作者单位】：河北经贸大学;
【分类号】：F832.1

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