外资银行审慎监管法律问题研究

【作者】 乌兰；

【导师】 张艾清；

【作者基本信息】 贵州民族学院 ， 经济法， 2011， 硕士

【摘要】 伴随着我国对外资银行业务的全面开放,导致近年来外资银行在我国发展迅速,并成为我国银行业中一股不可忽视的力量,对我国的金融体系和金融运行产生深远的影响。外资银行将大规模进入我国并开展各种业务,对其进行审慎监管逐渐成为我国法制建设中一重要课题。但是本文认为对其进行有效审慎监管还存在一些缺陷,包括是否适用同一资本充足率标准、风险集中度的同一借款人规定不明确、贷款损失准备金及外资银行流动性监管几个方面,这些缺陷在很大程度上限制了监管者对外资银行有效的监管。文章提出,通过宏观审慎监管、国际间的监管合作、审慎监管具体制度的完善等方法来消除所存在的法律缺陷,使审慎监管对外资银行的稳健运营发挥更有较的作用。更多还原

【Abstract】 Along with China on the full liberalization of foreign bank operations, leading foreign bank in China in recent years, rapid development in China’s banking industry and become a force to be reckoned with on China’s financial system and financial operations have a profound impact. Large-scale entry of foreign banks to carry out various operations in China and its prudential supervision of the legal system in China has gradually become an important issue. But the paper argues that its effective prudential supervision, there are some defects, including the applicability of the same capital adequacy standards, risk concentration of the provisions of the same borrower is not clear, loan loss provisions and the supervision of foreign banks in several areas of liquidity, these defects greatly limits the regulator effective monitoring of foreign banks. This paper presents, through macro-prudential regulation, international regulatory cooperation, improve prudential supervision and other methods specific system to eliminate the existence of legal defects, the prudential supervision of foreign banks to play a greater role than that.更多还原