镇江市银监局对商业银行监管的调查研究

发布时间：2018-10-30 08:11

【摘要】：商业银行在市场经营过程中所面临的脆弱性、金融资本的趋利性、市场交易信息不对称等特点决定了其必须借助外部监管,才能更好的保障其安全性、流动性和效率性。为此,近年来全国各地银监局都在致力于维护当地商业银行的良性发展,并积极探索相应的商业银行监管方法和手段。本文以镇江市银监局对商业银行的监督管理为具体的研究对象,对其展开了调查分析。调查发现了当前镇江市银监局对商业银行监督管理的现状、成效、问题,并为其后续监督管理水平的提升提出了建议。具体而言,本文由五个部分构成:第一部分主要是概述研究背景、意义,给出文章的框架,梳理全球范围该领域内现有的研究成果。第二部分对相关概念和基本理论进行了概述。第三部分对镇江市银监局商业银行监管现状进行了分析。第四部分利用描述性统计和模糊综合评价对镇江市银监局商业银行监督管理有效性进行了评估。第五部分指出了影响镇江市银监局对商业银行监管有效性的因素,并对提升监督管理水平提出建议,第六部分对全文研究内容进行了归纳总结。通过本文研究可以得到如下研究结论:(1)镇江市商业银行总体保持稳定,镇江市银监局对商业银行监管重视程度增加,但监管成效与成本不相匹配,后续监管过程中镇江市银监局需要在监管成本日益增长的同时提升监管有效性。(2)监管制度、监管手段以及监管人员素质成为影响镇江市银监局关于商业银行的监管有效性的前三位因素。本文分别从完善镇江市银监局对商业银行的监管制度、改进镇江市银监局对商业银行的监管手段、培养商业银行管理专业人才队伍3个主要方向提出了相应的意见和措施。
[Abstract]:The fragility of commercial banks in the course of market operation, the tendency of financial capital and the asymmetry of market information determine that commercial banks must rely on external supervision to ensure their security, liquidity and efficiency. Therefore, in recent years, all over the country's banking supervision bureau is committed to maintaining the benign development of local commercial banks, and actively explore the corresponding methods and means of supervision of commercial banks. This paper investigates and analyzes the supervision and management of commercial banks by Zhenjiang Banking Regulatory Bureau. The investigation finds out the present situation, effect and problems of the supervision and management of commercial banks by Zhenjiang Banking Regulatory Bureau, and puts forward some suggestions for the improvement of the level of supervision and management in the future. Specifically, this paper consists of five parts: the first part is an overview of the research background, significance, give the framework of the article, combing the global scope of the existing research results in this field. The second part summarizes the related concepts and basic theories. The third part analyzes the current situation of commercial bank supervision in Zhenjiang City. In the fourth part, the effectiveness of supervision and management of commercial banks in Zhenjiang Banking Regulatory Bureau is evaluated by descriptive statistics and fuzzy comprehensive evaluation. The fifth part points out the factors that affect the effectiveness of Zhenjiang Banking Regulatory Bureau to the supervision of commercial banks, and puts forward some suggestions to improve the level of supervision and management. The sixth part summarizes the content of this paper. Through the research of this paper, we can get the following conclusions: (1) Zhenjiang City Commercial Bank generally keeps stable, Zhenjiang Banking Regulatory Bureau pays more attention to the supervision of commercial banks, but the effect of supervision does not match with the cost. In the follow-up supervision process, the Zhenjiang Banking Regulatory Bureau needs to improve the effectiveness of supervision while increasing the cost of supervision. (2) Supervision system, Supervision means and the quality of supervisors are the first three factors that affect the effectiveness of the supervision of commercial banks in Zhenjiang Banking Regulatory Bureau. This paper puts forward corresponding suggestions and measures from three main directions: perfecting the supervision system of commercial banks by Zhenjiang Banking Regulatory Bureau, improving the supervision means of commercial banks by the Bureau of Banking Supervision of Zhenjiang City, and training the management professionals of commercial banks.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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