【摘要】：商業(yè)銀行在市場經(jīng)營過程中所面臨的脆弱性、金融資本的趨利性、市場交易信息不對稱等特點決定了其必須借助外部監(jiān)管,才能更好的保障其安全性、流動性和效率性。為此,近年來全國各地銀監(jiān)局都在致力于維護當?shù)厣虡I(yè)銀行的良性發(fā)展,并積極探索相應(yīng)的商業(yè)銀行監(jiān)管方法和手段。本文以鎮(zhèn)江市銀監(jiān)局對商業(yè)銀行的監(jiān)督管理為具體的研究對象,對其展開了調(diào)查分析。調(diào)查發(fā)現(xiàn)了當前鎮(zhèn)江市銀監(jiān)局對商業(yè)銀行監(jiān)督管理的現(xiàn)狀、成效、問題,并為其后續(xù)監(jiān)督管理水平的提升提出了建議。具體而言,本文由五個部分構(gòu)成:第一部分主要是概述研究背景、意義,給出文章的框架,梳理全球范圍該領(lǐng)域內(nèi)現(xiàn)有的研究成果。第二部分對相關(guān)概念和基本理論進行了概述。第三部分對鎮(zhèn)江市銀監(jiān)局商業(yè)銀行監(jiān)管現(xiàn)狀進行了分析。第四部分利用描述性統(tǒng)計和模糊綜合評價對鎮(zhèn)江市銀監(jiān)局商業(yè)銀行監(jiān)督管理有效性進行了評估。第五部分指出了影響鎮(zhèn)江市銀監(jiān)局對商業(yè)銀行監(jiān)管有效性的因素,并對提升監(jiān)督管理水平提出建議,第六部分對全文研究內(nèi)容進行了歸納總結(jié)。通過本文研究可以得到如下研究結(jié)論:(1)鎮(zhèn)江市商業(yè)銀行總體保持穩(wěn)定,鎮(zhèn)江市銀監(jiān)局對商業(yè)銀行監(jiān)管重視程度增加,但監(jiān)管成效與成本不相匹配,后續(xù)監(jiān)管過程中鎮(zhèn)江市銀監(jiān)局需要在監(jiān)管成本日益增長的同時提升監(jiān)管有效性。(2)監(jiān)管制度、監(jiān)管手段以及監(jiān)管人員素質(zhì)成為影響鎮(zhèn)江市銀監(jiān)局關(guān)于商業(yè)銀行的監(jiān)管有效性的前三位因素。本文分別從完善鎮(zhèn)江市銀監(jiān)局對商業(yè)銀行的監(jiān)管制度、改進鎮(zhèn)江市銀監(jiān)局對商業(yè)銀行的監(jiān)管手段、培養(yǎng)商業(yè)銀行管理專業(yè)人才隊伍3個主要方向提出了相應(yīng)的意見和措施。
[Abstract]:The fragility of commercial banks in the course of market operation, the tendency of financial capital and the asymmetry of market information determine that commercial banks must rely on external supervision to ensure their security, liquidity and efficiency. Therefore, in recent years, all over the country's banking supervision bureau is committed to maintaining the benign development of local commercial banks, and actively explore the corresponding methods and means of supervision of commercial banks. This paper investigates and analyzes the supervision and management of commercial banks by Zhenjiang Banking Regulatory Bureau. The investigation finds out the present situation, effect and problems of the supervision and management of commercial banks by Zhenjiang Banking Regulatory Bureau, and puts forward some suggestions for the improvement of the level of supervision and management in the future. Specifically, this paper consists of five parts: the first part is an overview of the research background, significance, give the framework of the article, combing the global scope of the existing research results in this field. The second part summarizes the related concepts and basic theories. The third part analyzes the current situation of commercial bank supervision in Zhenjiang City. In the fourth part, the effectiveness of supervision and management of commercial banks in Zhenjiang Banking Regulatory Bureau is evaluated by descriptive statistics and fuzzy comprehensive evaluation. The fifth part points out the factors that affect the effectiveness of Zhenjiang Banking Regulatory Bureau to the supervision of commercial banks, and puts forward some suggestions to improve the level of supervision and management. The sixth part summarizes the content of this paper. Through the research of this paper, we can get the following conclusions: (1) Zhenjiang City Commercial Bank generally keeps stable, Zhenjiang Banking Regulatory Bureau pays more attention to the supervision of commercial banks, but the effect of supervision does not match with the cost. In the follow-up supervision process, the Zhenjiang Banking Regulatory Bureau needs to improve the effectiveness of supervision while increasing the cost of supervision. (2) Supervision system, Supervision means and the quality of supervisors are the first three factors that affect the effectiveness of the supervision of commercial banks in Zhenjiang Banking Regulatory Bureau. This paper puts forward corresponding suggestions and measures from three main directions: perfecting the supervision system of commercial banks by Zhenjiang Banking Regulatory Bureau, improving the supervision means of commercial banks by the Bureau of Banking Supervision of Zhenjiang City, and training the management professionals of commercial banks.
【學位授予單位】：電子科技大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33

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