本文選題：巴塞爾資本協(xié)議　切入點(diǎn)：資本監(jiān)管　出處：《天津財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：金融在經(jīng)濟(jì)中發(fā)揮重要推動(dòng)作用的同時(shí),也潛在著巨大的風(fēng)險(xiǎn)。2008年一場(chǎng)波及世界的金融危機(jī),將全球的視線積聚于金融體系。1988年巴塞爾協(xié)議的頒布,標(biāo)志著銀行風(fēng)險(xiǎn)管理進(jìn)入了以資本監(jiān)管為中心的新階段。然而,每一次金融危機(jī)都會(huì)暴露國(guó)際資本監(jiān)管的弊端,美國(guó)次貸危機(jī)也不例外,眾多學(xué)者和監(jiān)管當(dāng)局更加關(guān)注新形勢(shì)下對(duì)銀行風(fēng)險(xiǎn)和資本監(jiān)管的研究。由此不難看出,后危機(jī)時(shí)代銀行資本的有效監(jiān)管對(duì)于銀行業(yè)的穩(wěn)定、金融系統(tǒng)的穩(wěn)健乃至整個(gè)國(guó)民經(jīng)濟(jì)的發(fā)展都有著至關(guān)重要的作用。 本文在搜集、研究國(guó)內(nèi)外相關(guān)文獻(xiàn)的基礎(chǔ)上,首先闡述了在國(guó)際銀行資本監(jiān)管標(biāo)準(zhǔn)中具有風(fēng)向標(biāo)作用的巴塞爾資本協(xié)議Ⅰ、Ⅱ、Ⅲ的主要內(nèi)容及其影響,以此作為理論依據(jù),梳理了不同階段巴塞爾協(xié)議在我國(guó)本土化運(yùn)用的成果。其次通過(guò)將巴塞爾資本協(xié)議Ⅰ、Ⅱ、Ⅲ與資本監(jiān)管不同發(fā)展階段我國(guó)銀行資本監(jiān)管規(guī)則的橫、縱向?qū)Ρ?分析了我國(guó)銀行資本監(jiān)管的現(xiàn)狀。再次本文較為深刻的剖析了現(xiàn)階段我國(guó)銀行資本監(jiān)管存在的問(wèn)題及問(wèn)題產(chǎn)生的原因。最后本文在總結(jié)理論、現(xiàn)狀,分析問(wèn)題及其原因的基礎(chǔ)上提出增強(qiáng)我國(guó)銀行資本監(jiān)管有效性的政策建議 本文認(rèn)為：隨著經(jīng)濟(jì)國(guó)際化、市場(chǎng)化的深入和金融改革的深化,加之我國(guó)銀行業(yè)及其監(jiān)管當(dāng)局的不懈努力,我國(guó)銀行資本監(jiān)管取得了一定的成績(jī)。但是由于我國(guó)銀行資本監(jiān)管起步較晚,以及市場(chǎng)經(jīng)濟(jì)發(fā)達(dá)程度和制度約束等各原因,無(wú)論從銀行內(nèi)部資本的補(bǔ)充、風(fēng)險(xiǎn)的掌控,還是從銀行外部資本監(jiān)管基礎(chǔ)設(shè)施的置備及技術(shù)手段的運(yùn)用,我國(guó)銀行和國(guó)際大銀行在資本監(jiān)管的理論和實(shí)踐上都有著不小的差距。本文提出,我國(guó)銀行資本監(jiān)管改革的方向在于：持續(xù)推進(jìn)審慎監(jiān)管,加強(qiáng)創(chuàng)新,從銀行業(yè)自身及銀行業(yè)發(fā)展的宏觀環(huán)境多角度、全方位提升銀行資本監(jiān)管的有效性,力求在強(qiáng)化我國(guó)銀行資本監(jiān)管基礎(chǔ)上提升我國(guó)銀行的國(guó)際競(jìng)爭(zhēng)力。
[Abstract]:While finance plays an important role in promoting the economy, it also has the potential for enormous risks. In 2008, a financial crisis affecting the world gathered global attention in the financial system. In 1988, the Basel Accord was promulgated. The risk management of banks has entered a new stage with capital supervision as the center. However, every financial crisis will expose the disadvantages of international capital supervision, and the subprime mortgage crisis in the United States is no exception. Many scholars and regulatory authorities have paid more attention to the study of bank risk and capital supervision under the new situation. It is not difficult to see that the effective supervision of bank capital in the post-crisis era will stabilize the banking industry. The stability of the financial system and even the development of the entire national economy have a vital role. On the basis of collecting and studying the relevant literature at home and abroad, this paper first expounds the main contents and effects of the Basel Capital Accord I, II, III which have the role of wind vane in the international banking capital supervision standards, and takes this as the theoretical basis. Secondly, by comparing Basel Capital Accord 鈪，

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