本文選題：系統(tǒng)重要性　切入點：道德風(fēng)險　出處：《中國青年政治學(xué)院》2014年碩士論文

【摘要】：2008年國際金融危機發(fā)生后,許多大型金融機構(gòu)出現(xiàn)經(jīng)營問題甚至倒閉,由于這些金融機構(gòu)在金融體系中扮演重要角色,具有規(guī)模大、業(yè)務(wù)復(fù)雜以及與其他金融機構(gòu)關(guān)聯(lián)性強等特點,使得這些機構(gòu)的風(fēng)險通過各種渠道傳導(dǎo)到其他金融機構(gòu),進而引發(fā)一系列連鎖反應(yīng),對金融體系造成嚴(yán)重沖擊。此后,國際監(jiān)管組織加強對系統(tǒng)重要性金融機構(gòu)的研究,并提出了一些監(jiān)管的政策建議,美英等國也加強了對系統(tǒng)重要性金融機構(gòu)的監(jiān)管。從2011年開始,金融穩(wěn)定理事會根據(jù)巴塞爾委員會提出的評估標(biāo)準(zhǔn),于每年11月發(fā)布全球系統(tǒng)重要性銀行名單,中國銀行在2011年被納入名單中,中國工商銀行在2013年也被納入名單中。這不僅表明中國的大型銀行具有一定國際影響力,也提醒中國監(jiān)管層要加強對系統(tǒng)重要性金融機構(gòu)的監(jiān)管。由于系統(tǒng)重要性金融機構(gòu)在金融體系中處于關(guān)鍵地位,其經(jīng)營出現(xiàn)問題會增加金融體系的脆弱性,而且系統(tǒng)重要性金融機構(gòu)資產(chǎn)負(fù)債規(guī)模巨大,其經(jīng)營的波動會加劇經(jīng)濟的波動,更易加劇順周期風(fēng)險。此外,在危機發(fā)生后政府對系統(tǒng)重要性金融機構(gòu)的救助引發(fā)了“大而不倒”的道德風(fēng)險,凸顯了系統(tǒng)重要性金融機構(gòu)經(jīng)營風(fēng)險的社會危害和對其進行嚴(yán)格監(jiān)管的必要性。國際監(jiān)管機構(gòu)作為國際組織,對系統(tǒng)重要性金融機構(gòu)的監(jiān)管做了許多研究,不過世界各國還是根據(jù)本國具體情況實施各自不同的政策措施。美國作為金融危機的發(fā)源地,在危機后對金融監(jiān)管體系進行重大調(diào)整,英國在危機中受到的沖擊屬于外源性的,且金融監(jiān)管體系相對比較完備,改革力度較小,歐盟作為一體化組織,其監(jiān)管權(quán)力本身就有限制,主要是推動歐盟各國加強金融監(jiān)管。從目前國際監(jiān)管組織和各國監(jiān)管層提出的監(jiān)管政策來看,對系統(tǒng)重要性金融機構(gòu)進行監(jiān)管的框架已基本形成。首先是確立專職監(jiān)管機構(gòu),其次是建立評估標(biāo)準(zhǔn),最后是提出具體監(jiān)管措施,包括降低規(guī)模、復(fù)雜度,提出附加資本要求,以及建立問題機構(gòu)處置制度等。結(jié)合中國銀行業(yè)的實際情況以及監(jiān)管現(xiàn)狀,借鑒其他國家的監(jiān)管實踐,本文認(rèn)為中國應(yīng)該健全監(jiān)管的法律體系,加強監(jiān)管權(quán)威,確立系統(tǒng)重要性銀行評估標(biāo)準(zhǔn),明確監(jiān)管對象,以及建立完善的恢復(fù)與處置框架,明確問題機構(gòu)處置制度。
[Abstract]:After the international financial crisis in 2008, many large financial institutions had business problems or even failed. Because these financial institutions played an important role in the financial system and had a large scale, The complexity of business and its strong relevance to other financial institutions make the risks of these institutions transmitted to other financial institutions through various channels, thus triggering a series of chain reactions, which have a serious impact on the financial system. International regulatory organizations have strengthened their research on systemically important financial institutions and put forward some regulatory policy recommendations. Countries such as the United States and the United Kingdom have also strengthened their supervision of systemically important financial institutions. Since 2011, The Financial Stability Board publishes a list of banks of global systemic importance in November of each year in accordance with the assessment criteria proposed by the Basel Committee, and the Bank of China was included in the list in 2011. Industrial and Commercial Bank of China was also included in the list in 2013. This not only shows that China's large banks have some international influence, China also reminds regulators to strengthen regulation of systemically important financial institutions. Because systemically important financial institutions are in a critical position in the financial system, problems with their operations will increase the vulnerability of the financial system. Moreover, the assets and liabilities of systemically important financial institutions are very large, and the fluctuations in their operations will increase the volatility of the economy and aggravate the pro-cyclical risks. In the aftermath of the crisis, the government's bailout of systemically important financial institutions led to moral hazard that was "too big to fail". Highlighting the social harm of systemically important financial institutions operating risks and the need for strict supervision of them. As an international organization, international regulators have done a lot of research on the regulation of systemically important financial institutions, However, countries around the world still implement different policies and measures according to their specific conditions. As the birthplace of the financial crisis, the United States made major adjustments to the financial regulatory system after the crisis, and the impact on Britain during the crisis was exogenous. Moreover, the financial supervision system is relatively complete and the reform is relatively weak. As an integrated organization, the European Union has its regulatory power itself limited. It is mainly to promote the European Union countries to strengthen financial supervision. Judging from the current regulatory policies put forward by international regulatory organizations and regulatory levels in various countries, the framework for the supervision of systemically important financial institutions has basically formed. First of all, it is to establish a full-time regulatory body. The second is to establish evaluation criteria, and finally to put forward specific regulatory measures, including reducing the scale, complexity, additional capital requirements, and setting up a system of handling problems, etc. Combined with the actual situation of China's banking industry and the current regulatory situation, Based on the regulatory practice of other countries, this paper holds that China should perfect the legal system of supervision, strengthen the authority of supervision, establish the evaluation standard of systemically important banks, define the object of supervision, and establish a perfect framework of recovery and disposal. Clarify the system of handling problems.
【學(xué)位授予單位】：中國青年政治學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F831.1

【參考文獻】

相關(guān)期刊論文 前7條

1 謝端純;;美國系統(tǒng)重要性金融機構(gòu)監(jiān)管及其啟示[J];南方金融;2012年09期

2 鐘震;;系統(tǒng)重要性金融機構(gòu)的基本特征與審慎監(jiān)管——基于金融危機視角的反思[J];江海學(xué)刊;2013年02期

3 徐超;;系統(tǒng)重要性金融機構(gòu)危機監(jiān)管制度:歷史與未來方向[J];經(jīng)濟問題;2013年07期

4 劉福毅;鄧大海;;系統(tǒng)重要性金融機構(gòu)的國際監(jiān)管趨勢淺析[J];金融發(fā)展研究;2012年03期

5 高國華;潘英麗;;銀行系統(tǒng)性風(fēng)險度量——基于動態(tài)CoVaR方法的分析[J];上海交通大學(xué)學(xué)報;2011年12期

6 管斌;;系統(tǒng)重要性金融機構(gòu)監(jiān)管問題研究[J];武漢金融;2012年06期

7 湯柳;王旭祥;;國際系統(tǒng)重要性金融機構(gòu)監(jiān)管動態(tài):進展、評價與展望[J];浙江金融;2012年04期

，

本文編號：1676579