本文選題：銀監(jiān)會　切入點：農(nóng)村信用社　出處：《吉林財經(jīng)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：本文研究的主要內(nèi)容是銀監(jiān)會對地方農(nóng)村信用社的行政性監(jiān)管，以往學(xué)者在研究銀行業(yè)監(jiān)管的時候大多把范圍限定在金融業(yè)務(wù)管理范圍內(nèi)，本文的主要貢獻是跳出業(yè)務(wù)領(lǐng)域，以行政性監(jiān)管為主，轉(zhuǎn)換研究思路，采用事實陳述、縱向?qū)Ρ鹊确椒ǎY(jié)合農(nóng)村信用社的特殊發(fā)展經(jīng)歷和在銀行業(yè)中的特殊地位，以創(chuàng)建銀監(jiān)會對地方農(nóng)村信用社行政監(jiān)管的新手段、新思路為提高和創(chuàng)新銀監(jiān)會的監(jiān)管方法和手段提出可行的建議。銀行監(jiān)管是銀行監(jiān)督和銀行管理的合稱，包括現(xiàn)場檢查與非現(xiàn)場檢查、市場準入與退出、外部監(jiān)管與內(nèi)部控制、貨幣政策與銀行法執(zhí)行情況的監(jiān)督，行政性監(jiān)管就把范圍限定在行政領(lǐng)域內(nèi)，全面的進行可靠的、安全性的檢查，依法進行穩(wěn)健經(jīng)營保證金融機構(gòu)全面的、經(jīng)常性的檢查和督促可以健康發(fā)展。銀監(jiān)會應(yīng)對銀行及其經(jīng)營活動進行領(lǐng)導(dǎo)、協(xié)調(diào)、組織和控制等。 農(nóng)村信用社在我國金融體系中處于不可或缺的地位，它充當(dāng)著我們農(nóng)村金融體系主力軍的作用，是連接著8億農(nóng)民的紐帶①可是如何發(fā)揮好作用，，更好地為農(nóng)村經(jīng)濟做貢獻，農(nóng)村信用社還有很漫長而艱苦的路要去努力，增加農(nóng)民服務(wù)收入，無論是理論還是實踐，都是我們要努力的方向。我們應(yīng)該清楚的是，目前我國的銀行監(jiān)管還處于需要完善的狀態(tài)，監(jiān)管法制不夠完善，監(jiān)管內(nèi)容、方式都還存在明顯的問題，監(jiān)管理念也還沒有形成，監(jiān)管手段也很不健全。農(nóng)村信用社現(xiàn)在正處在改革的重要時期，如何才能做到高效、持續(xù)、穩(wěn)健的金融監(jiān)管是一段時間內(nèi)需要深入探討的話題，而為了使農(nóng)村信用社達到穩(wěn)健進取、專業(yè)規(guī)范、持續(xù)發(fā)展，銀監(jiān)會應(yīng)對地方農(nóng)村信用社依法加強監(jiān)管。銀監(jiān)會依法加強對地方農(nóng)村信用社的行政性監(jiān)管，對實現(xiàn)農(nóng)村信用社的可持續(xù)發(fā)展，深化農(nóng)村信用社改革，全面建設(shè)小康社會，具有深遠的歷史意義和重要的現(xiàn)實意義。有效實施銀行的行政性監(jiān)管應(yīng)具有綜合性、審慎性、有效性等特征，從完善外部監(jiān)管上看，從我國的實際情況出發(fā)，結(jié)合當(dāng)前的國際經(jīng)濟局面，我國的銀行業(yè)監(jiān)管更加應(yīng)該更多的關(guān)注到完善制度建設(shè)，建立與國際金融相接軌的監(jiān)管理念。
[Abstract]:The main content of this paper is the administrative supervision of local rural credit cooperatives by CBRC. In the past, most scholars limited the scope of banking supervision to the scope of financial business management. The main contribution of this paper is to jump out of the business field. Taking administrative supervision as the main factor, changing research ideas, adopting the methods of fact statement and vertical contrast, combining the special development experience of rural credit cooperatives and their special status in banking, In order to establish a new method of administrative supervision of local rural credit cooperatives by CBRC, new ideas are put forward for improving and innovating the supervision methods and means of CBRC. Bank supervision is the joint name of bank supervision and bank management. Including on-site inspection and off-site inspection, market access and exit, external supervision and internal control, supervision of the implementation of monetary policy and banking law, administrative supervision will limit its scope to the administrative field, and it will be reliable in a comprehensive manner. The inspection of safety shall be carried out according to law to ensure that the financial institutions are in a comprehensive and regular manner. The CBRC shall lead, coordinate, organize and control the banks and their business activities. Rural credit cooperatives are in an indispensable position in the financial system of our country. They act as the main force of our rural financial system and are the bonds connecting 800 million peasants. However, how to play a good role and make better contributions to the rural economy, Rural credit cooperatives still have a long and hard way to work on. Increasing the income of farmers' services, both theoretical and practical, is the direction of our efforts. We should make it clear that, At present, the banking supervision in our country is still in a state of need of perfection, the legal system of supervision is not perfect enough, there are still obvious problems in the contents and ways of supervision, and the concept of supervision has not yet been formed. Rural credit cooperatives are now in an important period of reform. How to achieve efficient, sustainable and sound financial supervision is a topic that needs to be discussed in depth for a period of time. In order to ensure steady progress, professional standardization and sustainable development of rural credit cooperatives, the CBRC should strengthen the supervision of local rural credit cooperatives in accordance with the law, and the CBRC should strengthen the administrative supervision of local rural credit cooperatives in accordance with the law. It is of profound historical and practical significance to realize the sustainable development of rural credit cooperatives, deepen the reform of rural credit cooperatives and build a well-off society in an all-round way. From the point of view of perfecting external supervision, considering the actual situation of our country and the current international economic situation, the banking supervision of our country should pay more attention to perfecting the system construction. To establish the concept of regulation in line with international finance.
【學(xué)位授予單位】：吉林財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35

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