【摘要】：金融監(jiān)管是指政府通過特定的機構(gòu)(如中央銀行)以依法維護金融市場的公開、公正、有序競爭,有效防范化解金融風險,保護廣大存款人、投資者和被保險人的利益為目標,對金融交易行為主體進行某種限制或規(guī)定,繼而實現(xiàn)對金融市場進行金融監(jiān)督和金融管理的一種監(jiān)督管理活動’。隨著世界經(jīng)濟一體化的不斷深入,政府部門正在從僅僅為自由經(jīng)濟市場充當“守夜人”的角色,逐漸實現(xiàn)通過積極干預經(jīng)濟來調(diào)節(jié)國民收入再分配的一個轉(zhuǎn)變。這一轉(zhuǎn)變遵循了一條危機導向的路徑,即通過資本主義國家由于體制上的缺陷而不斷爆發(fā)危機和對危機本身認識的不斷深入,推動了金融監(jiān)管再創(chuàng)新,在監(jiān)管機構(gòu)與相關(guān)主體不斷博弈的過程中獲得發(fā)展。目前金融市場由于金融自由化和全球化等因素的推進,金融監(jiān)管永遠不可能達到完美無缺的狀態(tài)。本文正是基于我國及內(nèi)蒙古自治區(qū)目前在監(jiān)管中存在的問題,而對目前存在問題提出解決方案,盡量把危害金融市場的因素消滅在萌芽狀態(tài)。尤其是目前商業(yè)銀行在混業(yè)經(jīng)營的模式下,不斷提高金融創(chuàng)新能力,增強競爭力,同時又使得金融產(chǎn)品的風險更加復雜和難以控制。在現(xiàn)階段內(nèi)蒙古自治區(qū)的各家商業(yè)銀行無論是人員素質(zhì)還是風險內(nèi)控機制落實都不是很理想,因此相對我國發(fā)達地區(qū)來說,混業(yè)經(jīng)營會更加放大金融風險,影響金融市場的穩(wěn)定。這樣的形式下,對于人行自治區(qū)分行或者是內(nèi)蒙古銀監(jiān)會來說,有必要通過提升監(jiān)管人員素質(zhì),革新監(jiān)管流程、豐富監(jiān)管手段來提高對商業(yè)銀行的監(jiān)管效率,防范風險。 本文首先回顧了金融監(jiān)管發(fā)展歷程,明確了金融監(jiān)管的基本概念,其次分析了發(fā)達國家金融監(jiān)管的模式,并和我國進行了對比,由此得出了國際通行的金融監(jiān)管經(jīng)驗啟示。再次,通過進一步細化分析內(nèi)蒙古自治區(qū)商業(yè)銀行經(jīng)營情況,得出了混業(yè)經(jīng)營對于現(xiàn)階段內(nèi)蒙古治自區(qū)金融監(jiān)管體系形成的挑戰(zhàn),最后得出內(nèi)蒙古自治區(qū)銀行業(yè)金融監(jiān)管的改進策略。
[Abstract]:Financial supervision means that the government, through specific institutions (such as the central bank), aims to safeguard the openness, fairness and orderly competition of the financial market in accordance with the law, effectively prevent and defuse financial risks, and protect the interests of depositors, investors and insured persons. To restrict or regulate the subject of financial transaction, and then to realize a kind of supervision and management of financial market. With the deepening of the integration of the world economy, government departments are gradually realizing a change in adjusting the redistribution of national income by actively intervening in the economy from merely acting as a "night-watchman" for the free economic market. This shift followed a crisis-oriented path, that is, through the constant outbreak of crises in capitalist countries due to institutional shortcomings and the deepening of their understanding of the crisis itself, financial regulation has been renewed. In the regulatory bodies and related subjects in the process of continuous game has been developed. At present, due to financial liberalization and globalization, financial supervision can never be perfect. This paper is based on the existing problems in supervision in China and Inner Mongolia Autonomous region, and puts forward solutions to the existing problems, and try to nip the factors that harm the financial market in the bud state. Especially, under the mode of mixed operation, commercial banks constantly improve their ability of financial innovation and enhance their competitiveness. At the same time, the risks of financial products are more complex and difficult to control. At this stage, the various commercial banks in Inner Mongolia Autonomous region are not ideal either in terms of personnel quality or the implementation of the internal risk control mechanism. Therefore, compared with the developed regions in China, mixed operation will amplify financial risks even more. Affect the stability of financial markets. In such a form, it is necessary for the PBOC branch or the Inner Mongolia Banking Regulatory Commission to improve the supervision efficiency of commercial banks and guard against risks by improving the quality of supervisors, innovating the supervision process and enriching the means of supervision. This paper reviews the development course of financial supervision, clarifies the basic concept of financial supervision, and then analyzes the model of financial supervision in developed countries, and compares it with that of our country, and draws the inspiration of international financial supervision experience. Thirdly, through further detailed analysis of the operation of commercial banks in Inner Mongolia Autonomous region, the challenges of mixed operation to the formation of financial supervision system in Inner Mongolia Autonomous region at present are obtained. Finally, the improvement strategy of banking financial supervision in Inner Mongolia Autonomous region is obtained.
【學位授予單位】：內(nèi)蒙古大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.7

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