本文選題：新巴塞爾資本協(xié)議 + 銀行監(jiān)管　； 參考：《海南大學》2011年碩士論文

【摘要】：由美國次貸危機引發(fā)全球性的金融危機仍在繼續(xù)蔓延,盡管此次金融危機對我國宏觀經濟影響不大,但是在此背景下,我國的銀行體系正面臨著越來越大的系統(tǒng)性風險,我國的金融監(jiān)管特別是銀行監(jiān)管成為最為關注的焦點之一。金融是我國經濟的核心之一,金融安全是一國經濟安全的重要組成部分。銀行作為我國經濟生活中重要的金融機構,對我國的經濟生活影響顯著,在我國國民經濟中占有十分重要的地位。只有建立完善的銀行監(jiān)管體系,充分發(fā)揮銀行監(jiān)管的作用,維護我國金融市場的穩(wěn)定,才能確保我國國民經濟的健康發(fā)展。 2009年3月我國正式成為巴塞爾委員會的成員國之一,盡管此前我國監(jiān)管當局明確表示我國的銀行系統(tǒng)采用1988年的老巴塞爾協(xié)議,但是,對于此次金融危機暴露出商業(yè)銀行的系統(tǒng)風險的問題。我國商業(yè)銀行將按照新巴塞爾資本協(xié)議的標準,實施對我國金融機構的風險監(jiān)管是我國銀行監(jiān)管的必然選擇。同時我國銀監(jiān)會在實踐吸收借鑒國際先進的監(jiān)管理念,逐步加強了對我國商業(yè)銀行的風險監(jiān)管。正是基于這一目的,本文首先對銀行監(jiān)管的經濟學理論和法學理論作了簡要的闡述,給本文的研究提供理論支撐。其次是解讀新巴塞爾協(xié)議的銀行監(jiān)管制度及其影響。一方面從理論上對巴塞爾新資本協(xié)議的產生及其主要內容進行闡釋,總結了1988年的巴塞爾協(xié)議的進步之處和不足方面,從而為新巴塞爾協(xié)議的科學性和前瞻性做了鋪墊；另一方面分析了新巴塞爾資本協(xié)議對我國銀行監(jiān)管法律制度的影響,理論上新巴塞爾協(xié)議對我國不具有法律效力,但卻是我國銀行業(yè)穩(wěn)健運行的必然選擇。再次,指出我國銀行業(yè)監(jiān)管所面臨的新的法律問題及我國銀行監(jiān)管法律制度存在的不足。最后是完善我國銀行監(jiān)管的立法建議。既從宏觀層面對我國銀行監(jiān)管法律體系進行完善,又著重就新巴塞爾協(xié)議的三大支柱——資本充足率、監(jiān)管當局的監(jiān)督檢查和市場約束角度來對完善我國銀行法律監(jiān)管制度。
[Abstract]:The global financial crisis triggered by the sub-prime mortgage crisis in the United States is still spreading. Although the financial crisis has little impact on China's macro economy, the banking system of our country is facing more and more systemic risks against this background. China's financial supervision, especially banking supervision, has become one of the most concerned focus. Finance is one of the core of China's economy, and financial security is an important part of a country's economic security. As an important financial institution in the economic life of our country, the bank has a significant influence on the economic life of our country, and occupies a very important position in the national economy of our country. Only by establishing a perfect banking supervision system, giving full play to the role of bank supervision and maintaining the stability of our financial market, can we ensure the healthy development of our national economy. In March 2009, China formally became a member of the Basel Committee. Although our regulatory authorities had stated explicitly that the banking system of our country adopted the old Basel Accord of 1988, however, To this financial crisis exposed the commercial bank systematic risk question. China's commercial banks will carry out the risk supervision of our financial institutions according to the standards of the New Basel Capital Accord, which is the inevitable choice of the banking supervision in our country. At the same time, China Banking Regulatory Commission has gradually strengthened the risk supervision of Chinese commercial banks by absorbing and drawing lessons from international advanced supervision ideas in practice. It is for this purpose that this paper first makes a brief exposition of the economic theory and the legal theory of banking supervision, which provides theoretical support for the research of this paper. The second is to interpret the new Basel Accord banking regulatory system and its impact. On the one hand, it explains the emergence and main contents of the Basel New Capital Accord theoretically, summarizes the progress and deficiency of the Basel Accord in 1988, thus paving the way for the scientificity and foresight of the New Basel Accord. On the other hand, it analyzes the influence of the New Basel Capital Accord on the legal system of banking supervision in China. Theoretically, the New Basel Accord has no legal effect on our country, but it is the inevitable choice for the steady operation of our banking industry. Thirdly, it points out the new legal problems faced by the banking supervision in our country and the shortcomings of the legal system of banking supervision in our country. The last part is the legislative suggestion to perfect the banking supervision in our country. It not only perfects the legal system of banking supervision in China from the macro level, but also focuses on the capital adequacy ratio of the three pillars of the New Basel Accord, the supervision and inspection of the supervisory authorities and the market constraints to perfect the legal supervision system of China's banks.
【學位授予單位】：海南大學
【學位級別】：碩士
【學位授予年份】：2011
【分類號】：D922.281;D996.2

【引證文獻】

相關期刊論文 前2條

1 謝榮;;巴塞爾新資本協(xié)議下我國銀行業(yè)法律風險管理研究[J];法制與社會;2012年16期

2 曾小珂;;《巴塞爾協(xié)議III》對我國商業(yè)銀行監(jiān)管完善的影響[J];中外企業(yè)家;2012年11期

相關碩士學位論文 前1條

1 趙洋洋;我國商業(yè)銀行風險監(jiān)管的法律制度研究[D];北京交通大學;2013年

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本文編號：1932255