發(fā)布時間：2018-05-12 08:37

  本文選題：商業(yè)銀行 + 監(jiān)管體制��； 參考：《東北財經(jīng)大學(xué)》2013年碩士論文

【摘要】：現(xiàn)代一切經(jīng)濟活動幾乎都離不開貨幣資金運動,金融業(yè)具有貨幣資金的籌集融通以及優(yōu)化資金配置等功能,在當(dāng)代世界各國的金融體系中,商業(yè)銀行以機構(gòu)眾多、業(yè)務(wù)量大、輻射面廣、資本雄厚而成為各國金融體系的核心部分。銀行作為高負(fù)債經(jīng)營行業(yè),其運營特點是使用自身少量的資本運作巨額資產(chǎn),在國民經(jīng)濟的發(fā)展中具有牽一發(fā)而動全身的特殊地位。銀行體系的安全穩(wěn)定運行能夠優(yōu)化配置金融資源,從而帶動整個國民經(jīng)濟的快速發(fā)展。同時,銀行業(yè)的外部性和高風(fēng)險性也是其他行業(yè)所不能比擬的,一旦發(fā)生銀行風(fēng)險,勢必會影響經(jīng)濟社會全局發(fā)展,大幅削弱社會整體福利。20世紀(jì)80年代以來,隨著金融自由化程度的深化以及信息技術(shù)的飛速發(fā)展,銀行業(yè)不斷進(jìn)行金融產(chǎn)品創(chuàng)新,這使得銀行業(yè)所面臨的各類風(fēng)險在不斷加劇。因而,尋求有效完善的商業(yè)銀行監(jiān)管體制以防范銀行危機及金融風(fēng)險,保障金融體系的安全穩(wěn)定性,是政府監(jiān)管的重要研究課題。2003年中國銀行業(yè)監(jiān)督管理委員會(簡稱銀監(jiān)會)正式成立,將銀行監(jiān)管的主要職能從中央銀行分離出來,這標(biāo)志著我國的銀行監(jiān)管由原先只有中國人民銀行一家監(jiān)管的單一集中模式向“一行三會”(中國人民銀行、銀監(jiān)會、保監(jiān)會、證監(jiān)會)的分業(yè)監(jiān)管模式轉(zhuǎn)變。隨著全球經(jīng)濟一體化的深入,我國金融市場的對外開放程度不斷提高,銀行業(yè)等金融行業(yè)的風(fēng)險進(jìn)一步加大,混業(yè)經(jīng)營成為大勢所趨,我國的銀行監(jiān)管面臨著更大的挑戰(zhàn),而現(xiàn)行的銀行監(jiān)管體制中存在不少亟待解決的問題。 分析我國商業(yè)銀行監(jiān)管體制中存在的問題及相關(guān)的對策研究,對于推進(jìn)商業(yè)銀行發(fā)展、防范與化解金融風(fēng)險、實現(xiàn)國民經(jīng)濟運行的穩(wěn)健與安全具有重要意義。本文在全球金融一體化和入世后我國銀行業(yè)進(jìn)一步對外開放的背景下,對商業(yè)銀行監(jiān)管的相關(guān)理論進(jìn)行闡述,分析我國商業(yè)銀行監(jiān)管體制的現(xiàn)狀及存在的問題,在借鑒發(fā)達(dá)國家商業(yè)銀行體制改革的成功經(jīng)驗的基礎(chǔ)上,尋求我國商業(yè)銀行監(jiān)管體制的改革方向,以提升我國政府對商業(yè)銀行的監(jiān)管水平,促進(jìn)銀行業(yè)及整個金融業(yè)健康、平穩(wěn)發(fā)展。 本文研究具體內(nèi)容,包括以下七章： 第一章,導(dǎo)論部分。介紹本論文的寫作背景及意義；對國內(nèi)外相關(guān)研究進(jìn)行綜述；闡述論文的研究內(nèi)容、研究思路及研究方法,提出文本的創(chuàng)新之處。 第二部分,商業(yè)銀行監(jiān)管的基本概述。闡述我國商業(yè)銀行監(jiān)管的基本概念及基本內(nèi)容,并介紹了與商業(yè)銀行監(jiān)管相關(guān)的理論。 第三部分,分析我國商業(yè)銀行監(jiān)管體制的現(xiàn)狀。對目前我國商業(yè)銀行監(jiān)管的組織框架及其基本職能、商業(yè)銀行監(jiān)管的相關(guān)法律制度、監(jiān)管控制制度等進(jìn)行分析。 第四部分,對我國商業(yè)銀行監(jiān)管體制中存在的問題進(jìn)行分析和闡述,包括監(jiān)管機構(gòu)之間缺乏有效的協(xié)調(diào)、商業(yè)銀行內(nèi)控建設(shè)與同業(yè)自律不足、相關(guān)法律制度不完善等。 第五部分,對發(fā)達(dá)國家商業(yè)銀行監(jiān)管體制的發(fā)展歷程及特點進(jìn)行梳理,得出其成功經(jīng)驗對構(gòu)建我國商業(yè)銀行監(jiān)管體制的啟示。 第六部分,根據(jù)我國商業(yè)銀行監(jiān)管體制中存在的問題以及國際經(jīng)驗的啟示,提出了我國商業(yè)銀行監(jiān)管體制的改革措施,包括建立有效的監(jiān)管協(xié)調(diào)和溝通機制、完善銀行內(nèi)部控制和行業(yè)自律制度、建立存款保險制度、完善商業(yè)銀行監(jiān)管的相關(guān)法律制度。 第七部分,結(jié)論。提煉本文的主要觀點,本文的主要結(jié)論是：商業(yè)銀行在金融領(lǐng)域具有牽一發(fā)而動全身的特殊地位,因此需要建立完善有效的監(jiān)管體制防范銀行風(fēng)險；我國現(xiàn)行的分業(yè)監(jiān)管體制與混業(yè)經(jīng)營的矛盾逐漸顯露,我國的銀行監(jiān)管體制還存在不少亟待解決的問題；對于我國商業(yè)銀行監(jiān)管體制中出現(xiàn)的問題,需要進(jìn)行有針對性的改革,有所創(chuàng)新,才能完善我國的商業(yè)銀行監(jiān)管體制,促進(jìn)銀行業(yè)及整個金融業(yè)健康、平穩(wěn)發(fā)展。
[Abstract]:All the modern economic activities are almost inseparable from the movement of money and funds, the financial industry has the functions of financing and financing and optimizing the allocation of funds. In the financial system of all countries of the world, commercial banks have become the core part of the financial system of various countries, with numerous institutions, large amount of business, extensive radiation, and abundant capital. The operation characteristic of high debt management industry is to use a small amount of capital to operate a huge amount of assets, and it has a special position in the development of the national economy. The safe and stable operation of the banking system can optimize the allocation of financial resources and promote the rapid development of the whole national economy. At the same time, the externality and the externality of the banking industry High risk is also incomparable in other industries. Once the bank risks occur, it is bound to affect the global development of the economy and society and greatly weaken the overall welfare of the society in the 80s of.20. With the deepening of financial liberalization and the rapid development of information technology, the banking industry continues to innovate the financial products, which makes the banking industry All kinds of risks are increasing. Therefore, to seek effective and perfect regulatory system of commercial banks to prevent bank crises and financial risks and to ensure the security and stability of the financial system is an important research subject of government supervision. The Chinese Banking Regulatory Commission (the CBRC) has been formally established in.2003 and the main supervision of the bank. The separation of functions from the central bank indicates that China's banking regulation has changed from a single centralized mode of supervision by the people's Bank of China to the "one line of three meetings" (the people's Bank of China, the Banking Regulatory Commission, the CIRC, the SFC). The risk of the banking industry, such as the banking industry is increasing, the risk of the banking industry is further increased, and the mixed operation has become the trend of the times. China's banking supervision is facing a greater challenge, and there are many problems to be solved in the current banking regulatory system.
The analysis of the problems and related countermeasures in the regulatory system of commercial banks in China is of great significance for promoting the development of commercial banks, preventing and resolving financial risks and realizing the stability and safety of the national economic operation. On the basis of the successful experience of the commercial bank system reform in the developed countries, the reform direction of the commercial bank supervision system in China is sought on the basis of the successful experience of the commercial bank system reform in the developed countries, in order to improve the regulatory level of the government government to commercial banks and promote the banking industry, The whole financial industry is healthy and steady.
This paper studies the specific content, including the following seven chapters:
The first chapter, introduction part, introduces the background and significance of this paper, summarizes the relevant research at home and abroad, expounds the content of the research, research ideas and research methods, and puts forward the innovation of the text.
The second part, the basic overview of commercial bank supervision, expounds the basic concepts and basic contents of the supervision of commercial banks in China, and introduces the theories related to the supervision of commercial banks.
The third part analyzes the current situation of the regulatory system of commercial banks in China, and analyzes the organizational framework and its basic functions of the current commercial bank supervision, the relevant legal system of commercial bank supervision and supervision and control system.
The fourth part analyzes and expounds the problems existing in the regulatory system of commercial banks in China, including the lack of effective coordination among the regulatory agencies, the lack of internal control construction of commercial banks and the lack of self-discipline of the same industry, and the imperfect related legal systems.
In the fifth part, the development process and characteristics of the commercial bank supervision system in developed countries are combed, and the Enlightenment of its successful experience to the construction of the regulatory system of commercial banks in China is drawn.
In the sixth part, according to the problems existing in the regulatory system of commercial banks in China and the Enlightenment of international experience, the reform measures for the regulatory system of commercial banks in China are put forward, including the establishment of effective regulatory coordination and communication mechanism, the improvement of the internal control and self-discipline system of the banks, the establishment of a deposit insurance system, and the improvement of the supervision of commercial banks. The relevant legal system.
The seventh part, the main conclusion of this article, the main conclusion of this article is that commercial banks have a special position in the financial field, so we need to establish a perfect and effective supervision system to prevent the bank risk; the contradiction between the current division supervision system and the mixed operation of our country is gradually revealed, the bank supervision of our country There are still a lot of problems to be solved in the management system. In order to improve the banking regulatory system and promote the health of the banking industry and the whole financial industry, the problems arising in the regulatory system of China's commercial banks need to be innovated and innovated.

【學(xué)位授予單位】：東北財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.1

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本文編號：1877916