本文選題：巴塞爾協(xié)議 + 農(nóng)信社　； 參考：《山東財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：2007年的次貸危機(jī)在全球的金融系統(tǒng)中肆虐，舊有的資本監(jiān)管協(xié)議在此次災(zāi)難中顯露出了不足的一面，使得人們對(duì)巴塞爾協(xié)議是否能夠維持金融系統(tǒng)的穩(wěn)定產(chǎn)生了懷疑。巴塞爾委員會(huì)對(duì)此迅速作出反應(yīng)，深入研究此次衰退過(guò)程中原有監(jiān)管框架暴露出來(lái)的缺陷和漏洞，重點(diǎn)對(duì)資本監(jiān)管進(jìn)行了全面而又嚴(yán)格的修訂。新監(jiān)管標(biāo)準(zhǔn)（《巴塞爾協(xié)議Ⅲ》）在首爾舉行的G20峰會(huì)上得到各成員國(guó)的一致同意，這標(biāo)志著全球銀行業(yè)進(jìn)入了全面風(fēng)險(xiǎn)監(jiān)管的時(shí)代。 與此同時(shí)，隨著我國(guó)農(nóng)村經(jīng)濟(jì)體制和管理方式的變革，農(nóng)村金融形勢(shì)發(fā)生了很大的變化，作為傳統(tǒng)農(nóng)村金融體系主力軍的農(nóng)村信用社，正面臨新的競(jìng)爭(zhēng)與挑戰(zhàn)。根據(jù)當(dāng)前農(nóng)村經(jīng)濟(jì)和農(nóng)村金融發(fā)展趨勢(shì)的分析，未來(lái)很長(zhǎng)一段時(shí)間信貸仍是農(nóng)信社賴以生存的核心業(yè)務(wù)。隨著對(duì)其監(jiān)管趨勢(shì)的變化，農(nóng)信社現(xiàn)在面臨著選擇補(bǔ)充資本還是收縮信貸規(guī)模的問(wèn)題。 本文基于防范農(nóng)信社經(jīng)營(yíng)風(fēng)險(xiǎn)，維護(hù)農(nóng)村金融系統(tǒng)穩(wěn)定的角度，從農(nóng)信社信貸行為著手，以農(nóng)信社資本監(jiān)管與信貸規(guī)模關(guān)系為研究對(duì)象。首先針對(duì)歷次巴塞爾協(xié)議的出臺(tái)背景以及監(jiān)管理念的變遷進(jìn)行對(duì)比分析，，再將農(nóng)信社的監(jiān)管標(biāo)準(zhǔn)與之進(jìn)行比較來(lái)找出我國(guó)農(nóng)信社資本監(jiān)管中存在的缺陷和不足。最后通過(guò)對(duì)農(nóng)信社實(shí)地調(diào)查所得數(shù)據(jù)進(jìn)行實(shí)證分析，得出資本監(jiān)管的實(shí)施會(huì)在一定程度上使農(nóng)信社信貸收縮，從而影響農(nóng)村經(jīng)濟(jì)發(fā)展的結(jié)論，并在此基礎(chǔ)上提出相應(yīng)的改善農(nóng)信社資本監(jiān)管的對(duì)策建議。
[Abstract]:The subprime mortgage crisis in 2007 is rampant in the global financial system, the old capital regulation agreement in this disaster revealed the lack of, making people doubt whether the Basel accord can maintain the stability of the financial system. The Basel Committee reacted quickly to this by studying in depth the defects and loopholes in the original regulatory framework in the course of the recession and focusing on the comprehensive and strict revision of capital regulation. The new regulatory standards (Basel III) were agreed by members at the G20 summit in Seoul, marking an era of comprehensive risk regulation for global banks. At the same time, with the reform of rural economic system and management mode, the rural financial situation has changed greatly. As the main force of the traditional rural financial system, rural credit cooperatives are facing new competition and challenge. According to the analysis of the development trend of rural economy and rural finance, credit is still the core business of rural credit cooperatives for a long time in the future. With regulatory trends changing, RCCs now face the question of whether to replenish capital or shrink credit. From the angle of preventing the risk of rural credit cooperatives and maintaining the stability of rural financial system, this paper starts with the credit behavior of rural credit cooperatives, and takes the relationship between capital supervision and credit scale of rural credit cooperatives as the research object. Firstly, the background of previous Basel Accord and the change of supervision idea are compared and analyzed, and then the supervision standards of rural credit cooperatives are compared to find out the defects and deficiencies in the capital supervision of rural credit cooperatives in China. Finally, through the empirical analysis of the data obtained from the field investigation of rural credit cooperatives, the conclusion is drawn that the implementation of capital supervision will, to a certain extent, cause the credit of rural credit cooperatives to shrink, thus affecting the development of rural economy. On this basis, the corresponding countermeasures and suggestions to improve the capital supervision of rural credit cooperatives are put forward.
【學(xué)位授予單位】：山東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35;F832.4

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