本文選題：銀行監(jiān)管體制 + 宏觀審慎監(jiān)管　； 參考：《南京大學(xué)》2012年碩士論文

【摘要】：本文結(jié)合國內(nèi)外現(xiàn)有研究和多國銀行監(jiān)管體制改革實踐,對銀行監(jiān)管體制進行了系統(tǒng)性分類研究,并通過定性和定量分析研究了我國銀行監(jiān)管體制的目標(biāo)實現(xiàn)效果及存在的相關(guān)問題,給出了我國銀行監(jiān)管體制的改革框架。 本文首先對銀行監(jiān)管理論進行了系統(tǒng)性研究,進而深入分析了銀行監(jiān)管體制構(gòu)建理念的演變過程,建立了同時考量監(jiān)管主體形式和監(jiān)管機構(gòu)構(gòu)建思路的銀行監(jiān)管體制分類模式,將當(dāng)前的銀行監(jiān)管體制分成六大類并分別對各體制的特點進行了探討。同時,本文結(jié)合發(fā)達國家的銀行監(jiān)管體制改革經(jīng)驗,分析并總結(jié)了金融危機后銀行監(jiān)管面臨的挑戰(zhàn)和各國的改革趨勢,經(jīng)筆者分析,由于金融危機凸顯了銀行業(yè)系統(tǒng)性風(fēng)險管理的重要性,各國紛紛開始設(shè)立宏觀審慎監(jiān)管部門,銀行監(jiān)管體制也由功能型向目標(biāo)型轉(zhuǎn)變。 針對我國的二元化銀行監(jiān)管體制,筆者分別采用比較分析方法和實證研究方法對監(jiān)管體制的目標(biāo)實現(xiàn)效果進行了考察,得出我國目前的二元化銀行監(jiān)管體制的目標(biāo)實現(xiàn)效果基本良好,但我國當(dāng)前的監(jiān)管體制存在監(jiān)管職能劃分模糊、宏觀審慎監(jiān)管缺失、監(jiān)管主體和救助主體分離等問題,影響了我國銀行監(jiān)管的效果。對此,筆者給出了分步驟的我國監(jiān)管體制改革框架,短期改革目標(biāo)是對現(xiàn)有的二元化監(jiān)管體制進行完善,在職能劃分和協(xié)調(diào)溝通上做出相關(guān)改進,并明確系統(tǒng)性風(fēng)險的監(jiān)管責(zé)任;中長期目標(biāo)是由功能型監(jiān)管向目標(biāo)型監(jiān)管、由多元化監(jiān)管向一體化監(jiān)管的轉(zhuǎn)變,建立金融穩(wěn)定委員會承擔(dān)金融機構(gòu)的目標(biāo)型統(tǒng)一監(jiān)管職能。
[Abstract]:Based on the existing research at home and abroad and the practice of banking supervision system reform in many countries, this paper makes a systematic classification study on the banking supervision system. Through qualitative and quantitative analysis, the paper studies the effect of the target realization of the banking supervision system in China and the existing problems, and gives the framework of the reform of the banking supervision system in our country. Firstly, this paper makes a systematic study on the theory of banking supervision, and then analyzes the evolution process of the concept of banking supervision system, and establishes a classification model of banking supervision system, which considers the form of the main body of supervision and the ideas of the construction of the regulatory body at the same time. The current banking supervision system is divided into six categories and the characteristics of each system are discussed. At the same time, based on the experience of banking supervision system reform in developed countries, this paper analyzes and summarizes the challenges and reform trends of banking supervision after the financial crisis. As the financial crisis highlights the importance of systemic risk management in banking, various countries have begun to set up macro-prudential supervision departments, and the banking regulatory system has also changed from functional to targeted. In view of the dualistic banking supervision system in China, the author uses the comparative analysis method and the empirical research method to investigate the effect of the target realization of the regulatory system. It is concluded that the goal of the current dual banking supervision system in our country has achieved a good result, but there are some problems in the current regulatory system, such as fuzzy division of supervision functions, lack of macro-prudential supervision, separation of the main body of supervision from the main body of rescue, and so on. It affects the effect of banking supervision in China. In view of this, the author gives a step by step framework of regulatory system reform in China. The short-term goal of the reform is to perfect the existing dual regulatory system, and to make relevant improvements in the division of functions and coordination and communication. The medium- and long-term goal is to change from functional supervision to targeted supervision, from diversified supervision to integrated supervision, and to establish the Financial Stability Board to take on the function of unified and targeted supervision of financial institutions.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.1

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本文編號：2088265