商业银行信贷风险监管法律问题研究

发布时间：2018-01-27 13:41

本文关键词： 商业银行信贷风险金融监管法律制度　出处：《河北经贸大学》2014年硕士论文　论文类型：学位论文

【摘要】：商业银行风险监管法律制度在我国的研究是以我国经济的发展情况为现实依据，尤其是伴随着全球经济不断一体化发展进程而逐渐受到重视的。如何对商业银行信贷风险进行防范和有效控制是长期存在于我国银行业运营的一个焦点问题,深入研究商业银行信贷风险监管问题不仅能够更加完善相关金融监管法律制度，还对促进我国银行业健康稳健发展具有重大的现实意义。本文中，笔者针对法律制度层面的主要问题来论述商业银行信贷风险监管制度，希望能对现实起到指导作用。尽管我国目前亦有一整套防范和控制商业银行信贷风险的机制，但相对于发达国家，我国在监管的理念、主体、内容、法律责任的追究机制等法律制度方面还是存在一定的研究空间。本文运用比较分析、文献分析等方法，通过分析世界主要国家在信贷风险监管法律制度建设方面的发展趋势，从中归纳出对防范我国商业银行信贷风险的解决之路，最终对完善我国商业银行信贷风险的监管法律问题提出适合我国国情发展的建议，希望有助于我国商业银行信贷风险的预防和控制。除了引言和结语部分，文章的主要内容分为四部分展开：第一部分主要论述的内容为商业银行信贷风险监管的一般问题。本部分首先从概念、特征和现状三个方面来界定商业银行信贷风险，然后就监管的主体、客体、内容三个方面着重分析了商业银行信贷风险监管制度的基本法律关系，进而从经济学和法学两个方面分析了商业银行信贷风险监管法律制度的理论基础，为下文的展开分析做好理论铺垫。第二部分论述了商业银行信贷风险监管制度的现状。具体分为两个方面展开论述：第一方面论述了我国商业银行信贷风险监管制度的法律体系和效力层级，从法律体系构成和立法层级两个方面展开；第二部分就商业银行信贷风险在监管法律制度方面存在的主要问题进行了论述。分别在商业银行监管的理念、主体、内容以及责任追究机制等方面进行了阐述。第三部分论述了国外银行信贷风险监管法律制度的发展趋势，进而归纳出对于完善我国商业银行信贷风险监管法律制度的有益启示,即要注重监管法制化和规范化以及要加强监管创新与国际监管的合作。第四部分为文章的核心部分，主要论述了我国商业银行信贷风险监管法律制度的完善。这部分分为三个方面，，首先论述了我国商业银行应该树立明确具体的信贷风险监管理念。正确的监管理念对信贷风险的防范有很好的指导作用。我国金融监管立法要符合现代金融的发展趋势，妥善调整金融法律关系，树立全新的监管理念。然后在第二部分着重论述了商业银行信贷风险监管具体法律制度的完善。笔者针对商业银行信贷风险监管存在的主要法律问题提出了相应的完善对策。包括主体方面不但应加强监管部门之间的协调与合作，要加强监管主体的独立性，杜绝行政干预，而且要增强国际监管合作；内容上要在信贷审批和信息披露方面加强监管；责任追究机制上也提出了相关的完善对策。最后提出了其他相关法律制度的完善，包括建立存款保险制度及社会信用法律制度的进一步完善。
[Abstract]:The legal system of risk supervision of commercial banks in our country is in the development of Chinese economy, based on reality, especially with the global economic integration and the continuous development process has attracted much attention. How the commercial bank credit risk prevention and control is a focus problem of long period in our country's banking operations the research of credit risk supervision of commercial banks not only to perfect the relevant legal system of financial supervision, but also to promote is of great practical significance in China's banking industry healthy development. In this paper, the author mainly aimed at the problem of the legal system to discuss the credit risk supervision system of commercial banks, hoping to play a guiding role in reality.
Although China also has a set of mechanisms to prevent and control the credit risk of commercial banks, but compared with developed countries, our country in the supervision idea, subject, content, legal liability mechanism and other aspects of the legal system there are still some space. This paper uses the comparative analysis, literature analysis method, through the analysis of the the credit risk supervision of legal system construction of the development trend of the world's major countries, summed up the solution to prevent credit risk of commercial bank in China from the road, finally put forward suggestions about the legal problems in the regulation to improve the credit risk of commercial banks in China, I hope to contribute to the prevention and control of commercial banks in China credit risk. Besides the introduction and conclusion, the main content of the article is divided into four parts:
The first part discusses the general problem of commercial bank credit risk supervision. The first part from the three aspects of concept, characteristics and status to define the credit risk of commercial banks, and supervision of the main body, object, content three aspects analyzes the basic legal relationship of the credit risk supervision system of commercial banks, and the theory of based on commercial bank credit risk supervision legal system analysis from two aspects of economics and law, it lays a theoretical foundation for the following analysis.
The second part discusses the present situation of the credit risk supervision system of commercial banks. It is divided into two aspects: the system of credit risk supervision of commercial banks in China's legal system and the level of effectiveness of the first, from two aspects of legal system and legislative level development; the second part discusses the credit risk of commercial banks the major problems in the supervision of legal system. In commercial bank supervision idea, subject, content and accountability mechanisms were discussed.
The third part discusses the development trend of foreign bank credit risk supervision legal system, and then summed up the enlightenment for the perfection of legal supervision system of credit risk of commercial banks in China, which should pay attention to the supervision of legalization and standardization, to strengthen the supervision of innovation and international regulatory cooperation.
The fourth part is the core part of the article, mainly discusses the perfection of our country commercial bank credit risk supervision legal system. This part is divided into three aspects, first elaborated our country commercial bank should set up the specific credit risk supervision. To prevent the right regulatory concept of credit risk has very good guidance. The development trend of China's financial regulatory legislation to conform to modern finance, properly adjust the relations of financial law, set up the new regulatoryphilosophy. Then in the second part focuses on the perfection of the commercial bank credit risk supervision legal system. After analyzing the main legal problems of commercial bank credit risk supervision put forward the corresponding countermeasures to improve. The subject should not only strengthen coordination and cooperation between regulatory authorities, should strengthen the independence of regulatory body, prevent administrative intervention, but also to strengthen the country International regulatory cooperation; the content to the credit approval and information disclosure supervision; responsibility mechanism is the perfection of the related countermeasures. Finally put forward to perfect the relevant legal system, including further perfecting the establishment of deposit insurance system and the social credit legal system.

【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.281

【引证文献】