本文選題：巴塞爾協(xié)議 + 銀行監(jiān)管　； 參考：《南昌大學(xué)》2011年碩士論文

【摘要】：1988年的巴塞爾協(xié)議(BaselⅠ)是國際銀行業(yè)監(jiān)管的“神圣條約”,被各國銀行業(yè)視為銀行監(jiān)管的統(tǒng)一標(biāo)準(zhǔn)。但由于經(jīng)濟(jì)環(huán)境的劇烈變化迅速改變了銀行的經(jīng)營環(huán)境,巴塞爾委員會探索適應(yīng)新經(jīng)濟(jì)環(huán)境的金融監(jiān)管方式,在2004年公布《巴塞爾協(xié)議Ⅱ》(BaselⅡ)。然而,2008年金融危機雖然并未從根本上否定協(xié)議Ⅱ的科學(xué)性,但是也暴露了協(xié)議Ⅱ的某些缺陷。 為了適應(yīng)形勢的需要,在2010年9月12日,巴塞爾委員會公布《巴塞爾協(xié)議Ⅲ》,這是近幾十年來針對銀行監(jiān)管領(lǐng)域的最大規(guī)模改革。各國央行和監(jiān)管部門希望這些改革能促使銀行減少高風(fēng)險業(yè)務(wù),同時確保銀行持有足夠儲備金,能不依靠政府救助獨自應(yīng)對今后可能發(fā)生的金融危機。 我國加入世界貿(mào)易組織后,加大了對外開放的力度,使得我國的金融市場與國際金融市場的聯(lián)系日趨頻繁。我國為應(yīng)對巴塞爾協(xié)議也采取了一系列舉措,但是,由于種種原因,我國銀行業(yè)監(jiān)管的現(xiàn)狀不容樂觀,我國銀行監(jiān)管者要吸取國際經(jīng)驗,盡快建立和完善我國的銀行監(jiān)管制度。 除了引言和結(jié)語部分之外,本文由三個部分組成,內(nèi)容如下： 第一部分以巴塞爾協(xié)議的發(fā)展歷程為主線,闡述了三部巴塞爾協(xié)議的產(chǎn)生動因和主要內(nèi)容,并對其發(fā)展變化和不足之處進(jìn)行評析。重點對最新出臺的巴塞爾協(xié)議Ⅲ進(jìn)行了詳細(xì)的闡述。 第二部分在從法學(xué)角度分析了巴塞爾協(xié)議的法律性質(zhì)之后,從我國市場經(jīng)濟(jì)發(fā)展、參與國際競爭、提高我國銀行信用級別和加強對外資銀行的規(guī)范需要等方面剖析了我國金融監(jiān)管法律與巴塞爾協(xié)議接軌的必要性。 第三部分闡述了巴塞爾協(xié)議Ⅲ問世之后中國監(jiān)管當(dāng)局應(yīng)對巴塞爾協(xié)議Ⅲ采取的一系列舉措以及中國目前面臨的挑戰(zhàn),在此分析的基礎(chǔ)上,筆者提出了從法律制定、部門配合、政策協(xié)調(diào)、監(jiān)管制度和程序上的健全等七個方面來完善我國銀行監(jiān)管的建議。
[Abstract]:Basel I (1988) is the sacred treaty of international banking supervision, which is regarded as the uniform standard of banking supervision by various countries. However, due to the drastic changes in the economic environment, the Basel Committee has rapidly changed the operating environment of banks, so the Basel Committee explored ways of financial supervision to adapt to the new economic environment, and published Basel II in 2004. However, although the 2008 financial crisis did not fundamentally deny the scientific nature of agreement II, it also exposed some defects of agreement II. In order to meet the needs of the situation, on September 12, 2010, the Basel Committee announced Basel III, which is the largest reform in the field of bank supervision in recent decades. Central banks and regulators hope the reforms will encourage banks to reduce risky business while ensuring that banks have enough reserves to deal with future financial crises independently of government bailouts. After China's entry into WTO, the opening to the outside world has been strengthened, which makes the financial market of our country and the international financial market more and more frequent. China has also taken a series of measures to deal with the Basel Accord. However, due to various reasons, the current situation of banking supervision in China is not optimistic. Our banking regulators should absorb international experience and establish and improve the banking supervision system as soon as possible. In addition to the introduction and conclusion, this paper consists of three parts, which are as follows: The first part, taking the development course of Basel Accord as the main line, expounds the causes and main contents of the three Basel agreements, and evaluates its development, changes and deficiencies. The emphasis is on the detailed elaboration of the latest Basel Accord 鈪，

本文編號：1977978