本文關(guān)鍵詞： 商業(yè)銀行 信貸風(fēng)險(xiǎn) 金融監(jiān)管 法律制度　出處：《河北經(jīng)貿(mào)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：商業(yè)銀行風(fēng)險(xiǎn)監(jiān)管法律制度在我國(guó)的研究是以我國(guó)經(jīng)濟(jì)的發(fā)展情況為現(xiàn)實(shí)依據(jù)，尤其是伴隨著全球經(jīng)濟(jì)不斷一體化發(fā)展進(jìn)程而逐漸受到重視的。如何對(duì)商業(yè)銀行信貸風(fēng)險(xiǎn)進(jìn)行防范和有效控制是長(zhǎng)期存在于我國(guó)銀行業(yè)運(yùn)營(yíng)的一個(gè)焦點(diǎn)問(wèn)題,深入研究商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管問(wèn)題不僅能夠更加完善相關(guān)金融監(jiān)管法律制度，還對(duì)促進(jìn)我國(guó)銀行業(yè)健康穩(wěn)健發(fā)展具有重大的現(xiàn)實(shí)意義。本文中，筆者針對(duì)法律制度層面的主要問(wèn)題來(lái)論述商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管制度，希望能對(duì)現(xiàn)實(shí)起到指導(dǎo)作用。 盡管我國(guó)目前亦有一整套防范和控制商業(yè)銀行信貸風(fēng)險(xiǎn)的機(jī)制，但相對(duì)于發(fā)達(dá)國(guó)家，我國(guó)在監(jiān)管的理念、主體、內(nèi)容、法律責(zé)任的追究機(jī)制等法律制度方面還是存在一定的研究空間。本文運(yùn)用比較分析、文獻(xiàn)分析等方法，通過(guò)分析世界主要國(guó)家在信貸風(fēng)險(xiǎn)監(jiān)管法律制度建設(shè)方面的發(fā)展趨勢(shì)，從中歸納出對(duì)防范我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)的解決之路，最終對(duì)完善我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)的監(jiān)管法律問(wèn)題提出適合我國(guó)國(guó)情發(fā)展的建議，希望有助于我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)的預(yù)防和控制。除了引言和結(jié)語(yǔ)部分，文章的主要內(nèi)容分為四部分展開(kāi)： 第一部分主要論述的內(nèi)容為商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管的一般問(wèn)題。本部分首先從概念、特征和現(xiàn)狀三個(gè)方面來(lái)界定商業(yè)銀行信貸風(fēng)險(xiǎn)，然后就監(jiān)管的主體、客體、內(nèi)容三個(gè)方面著重分析了商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管制度的基本法律關(guān)系，進(jìn)而從經(jīng)濟(jì)學(xué)和法學(xué)兩個(gè)方面分析了商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管法律制度的理論基礎(chǔ)，為下文的展開(kāi)分析做好理論鋪墊。 第二部分論述了商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管制度的現(xiàn)狀。具體分為兩個(gè)方面展開(kāi)論述：第一方面論述了我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管制度的法律體系和效力層級(jí)，從法律體系構(gòu)成和立法層級(jí)兩個(gè)方面展開(kāi)；第二部分就商業(yè)銀行信貸風(fēng)險(xiǎn)在監(jiān)管法律制度方面存在的主要問(wèn)題進(jìn)行了論述。分別在商業(yè)銀行監(jiān)管的理念、主體、內(nèi)容以及責(zé)任追究機(jī)制等方面進(jìn)行了闡述。 第三部分論述了國(guó)外銀行信貸風(fēng)險(xiǎn)監(jiān)管法律制度的發(fā)展趨勢(shì)，進(jìn)而歸納出對(duì)于完善我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管法律制度的有益啟示,即要注重監(jiān)管法制化和規(guī)范化以及要加強(qiáng)監(jiān)管創(chuàng)新與國(guó)際監(jiān)管的合作。 第四部分為文章的核心部分，主要論述了我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管法律制度的完善。這部分分為三個(gè)方面，，首先論述了我國(guó)商業(yè)銀行應(yīng)該樹(shù)立明確具體的信貸風(fēng)險(xiǎn)監(jiān)管理念。正確的監(jiān)管理念對(duì)信貸風(fēng)險(xiǎn)的防范有很好的指導(dǎo)作用。我國(guó)金融監(jiān)管立法要符合現(xiàn)代金融的發(fā)展趨勢(shì)，妥善調(diào)整金融法律關(guān)系，樹(shù)立全新的監(jiān)管理念。然后在第二部分著重論述了商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管具體法律制度的完善。筆者針對(duì)商業(yè)銀行信貸風(fēng)險(xiǎn)監(jiān)管存在的主要法律問(wèn)題提出了相應(yīng)的完善對(duì)策。包括主體方面不但應(yīng)加強(qiáng)監(jiān)管部門之間的協(xié)調(diào)與合作，要加強(qiáng)監(jiān)管主體的獨(dú)立性，杜絕行政干預(yù)，而且要增強(qiáng)國(guó)際監(jiān)管合作；內(nèi)容上要在信貸審批和信息披露方面加強(qiáng)監(jiān)管；責(zé)任追究機(jī)制上也提出了相關(guān)的完善對(duì)策。最后提出了其他相關(guān)法律制度的完善，包括建立存款保險(xiǎn)制度及社會(huì)信用法律制度的進(jìn)一步完善。
[Abstract]:The legal system of risk supervision of commercial banks in our country is in the development of Chinese economy, based on reality, especially with the global economic integration and the continuous development process has attracted much attention. How the commercial bank credit risk prevention and control is a focus problem of long period in our country's banking operations the research of credit risk supervision of commercial banks not only to perfect the relevant legal system of financial supervision, but also to promote is of great practical significance in China's banking industry healthy development. In this paper, the author mainly aimed at the problem of the legal system to discuss the credit risk supervision system of commercial banks, hoping to play a guiding role in reality.
Although China also has a set of mechanisms to prevent and control the credit risk of commercial banks, but compared with developed countries, our country in the supervision idea, subject, content, legal liability mechanism and other aspects of the legal system there are still some space. This paper uses the comparative analysis, literature analysis method, through the analysis of the the credit risk supervision of legal system construction of the development trend of the world's major countries, summed up the solution to prevent credit risk of commercial bank in China from the road, finally put forward suggestions about the legal problems in the regulation to improve the credit risk of commercial banks in China, I hope to contribute to the prevention and control of commercial banks in China credit risk. Besides the introduction and conclusion, the main content of the article is divided into four parts:
The first part discusses the general problem of commercial bank credit risk supervision. The first part from the three aspects of concept, characteristics and status to define the credit risk of commercial banks, and supervision of the main body, object, content three aspects analyzes the basic legal relationship of the credit risk supervision system of commercial banks, and the theory of based on commercial bank credit risk supervision legal system analysis from two aspects of economics and law, it lays a theoretical foundation for the following analysis.
The second part discusses the present situation of the credit risk supervision system of commercial banks. It is divided into two aspects: the system of credit risk supervision of commercial banks in China's legal system and the level of effectiveness of the first, from two aspects of legal system and legislative level development; the second part discusses the credit risk of commercial banks the major problems in the supervision of legal system. In commercial bank supervision idea, subject, content and accountability mechanisms were discussed.
The third part discusses the development trend of foreign bank credit risk supervision legal system, and then summed up the enlightenment for the perfection of legal supervision system of credit risk of commercial banks in China, which should pay attention to the supervision of legalization and standardization, to strengthen the supervision of innovation and international regulatory cooperation.
The fourth part is the core part of the article, mainly discusses the perfection of our country commercial bank credit risk supervision legal system. This part is divided into three aspects, first elaborated our country commercial bank should set up the specific credit risk supervision. To prevent the right regulatory concept of credit risk has very good guidance. The development trend of China's financial regulatory legislation to conform to modern finance, properly adjust the relations of financial law, set up the new regulatoryphilosophy. Then in the second part focuses on the perfection of the commercial bank credit risk supervision legal system. After analyzing the main legal problems of commercial bank credit risk supervision put forward the corresponding countermeasures to improve. The subject should not only strengthen coordination and cooperation between regulatory authorities, should strengthen the independence of regulatory body, prevent administrative intervention, but also to strengthen the country International regulatory cooperation; the content to the credit approval and information disclosure supervision; responsibility mechanism is the perfection of the related countermeasures. Finally put forward to perfect the relevant legal system, including further perfecting the establishment of deposit insurance system and the social credit legal system.

【學(xué)位授予單位】：河北經(jīng)貿(mào)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D922.281

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 閆飛宇;;商業(yè)銀行信貸風(fēng)險(xiǎn)及應(yīng)對(duì)方案分析[J];行政事業(yè)資產(chǎn)與財(cái)務(wù);2015年12期

本文編號(hào)：1468601