【摘要】：現(xiàn)代金融業(yè)對(duì)我國的社會(huì)主義市場(chǎng)經(jīng)濟(jì)、政治、社會(huì)生活等而言，具有非比尋常的意義。而國有商業(yè)銀行對(duì)于現(xiàn)代金融業(yè)中發(fā)展具有決定性的作用，它的重要性更是不言而喻。根據(jù)第十屆全國人民代表大會(huì)第一次會(huì)議批準(zhǔn)，設(shè)立中國銀行業(yè)監(jiān)督委員會(huì)（以下簡(jiǎn)稱“銀監(jiān)會(huì)”）；從2003年的4月28日起，銀監(jiān)會(huì)正式履行職責(zé)，這表明我國在國有商業(yè)銀行審慎化監(jiān)管的道路上越走越遠(yuǎn)。 簡(jiǎn)單地說，監(jiān)管效率包括三個(gè)方面：一是指銀行監(jiān)管機(jī)構(gòu)利用最小的成本,交換最大的經(jīng)濟(jì)和社會(huì)效益；二是指銀行內(nèi)部通過設(shè)定的穩(wěn)定性、效率性、發(fā)展性目標(biāo)來檢驗(yàn)自身是否具有高效率；三是指社會(huì)監(jiān)管是否對(duì)銀行發(fā)展具有高效率的促進(jìn)作用。而國有商業(yè)銀行監(jiān)管效率評(píng)價(jià)標(biāo)準(zhǔn)有三條：一是監(jiān)管機(jī)構(gòu)監(jiān)管效率；二是國有商業(yè)銀行內(nèi)部監(jiān)管效率；三是社會(huì)監(jiān)管效率。銀行監(jiān)管的目標(biāo)都是為了維護(hù)正常的金融秩序、促進(jìn)經(jīng)濟(jì)發(fā)展。 國有商業(yè)銀行監(jiān)管經(jīng)歷了從合規(guī)性監(jiān)管到審慎性監(jiān)管的階段，每一次金融改革改革都大大提高了監(jiān)管效率。目前國有商業(yè)銀行監(jiān)管效率存在的問題集中體現(xiàn)在內(nèi)控機(jī)制不完善、金融創(chuàng)新能力不足、不良貸款率高這幾點(diǎn)。而監(jiān)管機(jī)構(gòu)的低效率表現(xiàn)為：監(jiān)管協(xié)調(diào)性不夠、監(jiān)管機(jī)制僵化、監(jiān)管人員素質(zhì)總體水平不高、監(jiān)管手段和技術(shù)還有待完善、監(jiān)管法律法規(guī)體系不健全。由于金融環(huán)境的復(fù)雜性，外部運(yùn)行環(huán)境對(duì)國有商業(yè)銀行監(jiān)管效率也存在一定干擾。 以2005年至2012年為研究周期，通過因子分析法實(shí)證檢驗(yàn)：同時(shí)對(duì)兩大目標(biāo)（穩(wěn)定性與效率性）和三大目標(biāo)（穩(wěn)定性、效率性和發(fā)展性）考慮發(fā)現(xiàn)，如果僅僅考量?jī)纱竽繕?biāo)，在這幾年，國內(nèi)的國有商業(yè)銀行在監(jiān)管效率上還是在逐步提升。如果考量三大目標(biāo)，在2008年，監(jiān)管效率的趨勢(shì)呈現(xiàn)下降趨勢(shì)。這說明，中國銀行的監(jiān)管始終能夠很好的完成兩大目標(biāo)（穩(wěn)定性與效率性）。由于受到各種影響如金融危機(jī)等，使得銀行的監(jiān)管效率特別是發(fā)展性方面大受影響，因此，在對(duì)三大目標(biāo)進(jìn)行綜合考慮時(shí)，個(gè)別年份監(jiān)管效率會(huì)有所下降。 因此,只有通過采取以下措施，才能提高我國國有商業(yè)銀行監(jiān)管效率：分布建立和實(shí)施綜合性監(jiān)管;完善銀行監(jiān)管的法律規(guī)章，，培養(yǎng)高素質(zhì)的監(jiān)管人員；完善銀行監(jiān)管手段和技術(shù)。國有商業(yè)銀行方面應(yīng)做到：加快銀行內(nèi)控機(jī)制的改革、規(guī)范公司治理；加快金融創(chuàng)新力度、健全信息披露制度；促進(jìn)銀行同業(yè)自律機(jī)制形成。從社會(huì)監(jiān)管的環(huán)境來看，應(yīng)創(chuàng)造良好的宏觀經(jīng)濟(jì)環(huán)境、建立和完善信用制度、強(qiáng)化社會(huì)監(jiān)督功能。
[Abstract]:The modern financial industry is of extraordinary significance to our socialist market economy, politics and social life. State-owned commercial banks play a decisive role in the development of modern financial industry, and its importance is self-evident. In accordance with the approval of the first session of the Tenth National people's Congress to establish the China Banking Regulatory Commission (hereinafter referred to as the "Banking Regulatory Commission"), the CBRC will formally perform its functions and duties from April 28, 2003. This indicates that our country goes further and further on the road of prudential supervision of state-owned commercial banks. To put it simply, the efficiency of supervision includes three aspects: first, banking regulators use the minimum cost to exchange the greatest economic and social benefits; second, they refer to the stability and efficiency of the bank through the setting. The third is whether social supervision has a high efficiency to promote the development of banks. There are three criteria for evaluating the supervision efficiency of state-owned commercial banks: one is the supervision efficiency of the regulatory body; the other is the internal supervision efficiency of the state-owned commercial banks; and the third is the efficiency of social supervision. The aim of bank supervision is to maintain normal financial order and promote economic development. The supervision of state-owned commercial banks has gone through the stage from compliance supervision to prudent supervision, and each financial reform has greatly improved the efficiency of supervision. At present, the problems existing in the supervision efficiency of state-owned commercial banks are mainly reflected in the imperfect internal control mechanism, the insufficient ability of financial innovation and the high non-performing loan rate. But the inefficient performance of the supervision organization is: the supervision coordination is not enough, the supervision mechanism is rigid, the overall quality of the supervisor is not high, the means and technology of the supervision need to be improved, and the system of the supervision laws and regulations is not perfect. Due to the complexity of the financial environment, the external operating environment also interferes with the supervision efficiency of state-owned commercial banks. Taking the period from 2005 to 2012 as the research cycle, the empirical test of factor analysis shows that the two goals (stability and efficiency) and the three goals (stability, efficiency and development) are considered at the same time, if only two goals are considered, In recent years, the domestic state-owned commercial banks in the regulatory efficiency is gradually improving. If three goals are considered, the trend of regulatory efficiency will decline in 2008. This shows that the Bank of China's supervision has always been able to achieve the two major objectives (stability and efficiency). Due to the influence of various kinds of financial crisis, the efficiency of bank supervision, especially the developmental aspect, is greatly affected. Therefore, when the three goals are considered synthetically, the efficiency of supervision will decline in individual years. Therefore, only by taking the following measures can we improve the efficiency of supervision of state-owned commercial banks in China: to establish and implement comprehensive supervision in distribution, to perfect the laws and regulations of bank supervision, and to train high-quality supervisors. We will improve the means and techniques of bank supervision. The state-owned commercial banks should: speed up the reform of the internal control mechanism of banks, standardize corporate governance, speed up financial innovation, improve the information disclosure system, and promote the formation of the interbank self-discipline mechanism. From the point of view of the environment of social supervision, we should create a good macroeconomic environment, establish and perfect the credit system, and strengthen the function of social supervision.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

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