新资本监管对农信社信贷影响研究

发布时间：2018-07-02 08:01

本文选题：巴塞尔协议 + 农信社　；参考：《山东财经大学》2013年硕士论文

【摘要】：2007年的次贷危机在全球的金融系统中肆虐，旧有的资本监管协议在此次灾难中显露出了不足的一面，使得人们对巴塞尔协议是否能够维持金融系统的稳定产生了怀疑。巴塞尔委员会对此迅速作出反应，深入研究此次衰退过程中原有监管框架暴露出来的缺陷和漏洞，重点对资本监管进行了全面而又严格的修订。新监管标准（《巴塞尔协议Ⅲ》）在首尔举行的G20峰会上得到各成员国的一致同意，这标志着全球银行业进入了全面风险监管的时代。与此同时，随着我国农村经济体制和管理方式的变革，农村金融形势发生了很大的变化，作为传统农村金融体系主力军的农村信用社，正面临新的竞争与挑战。根据当前农村经济和农村金融发展趋势的分析，未来很长一段时间信贷仍是农信社赖以生存的核心业务。随着对其监管趋势的变化，农信社现在面临着选择补充资本还是收缩信贷规模的问题。本文基于防范农信社经营风险，维护农村金融系统稳定的角度，从农信社信贷行为着手，以农信社资本监管与信贷规模关系为研究对象。首先针对历次巴塞尔协议的出台背景以及监管理念的变迁进行对比分析，，再将农信社的监管标准与之进行比较来找出我国农信社资本监管中存在的缺陷和不足。最后通过对农信社实地调查所得数据进行实证分析，得出资本监管的实施会在一定程度上使农信社信贷收缩，从而影响农村经济发展的结论，并在此基础上提出相应的改善农信社资本监管的对策建议。
[Abstract]:The subprime mortgage crisis in 2007 is rampant in the global financial system, the old capital regulation agreement in this disaster revealed the lack of, making people doubt whether the Basel accord can maintain the stability of the financial system. The Basel Committee reacted quickly to this by studying in depth the defects and loopholes in the original regulatory framework in the course of the recession and focusing on the comprehensive and strict revision of capital regulation. The new regulatory standards (Basel III) were agreed by members at the G20 summit in Seoul, marking an era of comprehensive risk regulation for global banks. At the same time, with the reform of rural economic system and management mode, the rural financial situation has changed greatly. As the main force of the traditional rural financial system, rural credit cooperatives are facing new competition and challenge. According to the analysis of the development trend of rural economy and rural finance, credit is still the core business of rural credit cooperatives for a long time in the future. With regulatory trends changing, RCCs now face the question of whether to replenish capital or shrink credit. From the angle of preventing the risk of rural credit cooperatives and maintaining the stability of rural financial system, this paper starts with the credit behavior of rural credit cooperatives, and takes the relationship between capital supervision and credit scale of rural credit cooperatives as the research object. Firstly, the background of previous Basel Accord and the change of supervision idea are compared and analyzed, and then the supervision standards of rural credit cooperatives are compared to find out the defects and deficiencies in the capital supervision of rural credit cooperatives in China. Finally, through the empirical analysis of the data obtained from the field investigation of rural credit cooperatives, the conclusion is drawn that the implementation of capital supervision will, to a certain extent, cause the credit of rural credit cooperatives to shrink, thus affecting the development of rural economy. On this basis, the corresponding countermeasures and suggestions to improve the capital supervision of rural credit cooperatives are put forward.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35;F832.4

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