【作者】 王劲松；

【导师】 修国义；

【作者基本信息】 哈尔滨理工大学 ， 管理科学与工程， 2003， 硕士

【摘要】 金融是现代经济的核心，而商业银行则是金融体系的中坚力量。加入wTO后，我国商业银行所面临的最大忧虑就是制度风险问题，因此，对我国商业银行制度风险的管理和防范研究具有重大的理论和现实意义。本文通过对金融制度基本理论的明确阐述，它包括：金融组织理论分析、金融市场体系理论分析、金融监管制度理论分析和金融制度创新理论分析四个方面的内容；结合当前转轨时期我国商业银行的特点，逐一对我国商业银行风险的生成机理、制度风险的涵义及特点、商业银行制度风险表现以及商业银行制度风险的各种因素进行了分析；同时还对美国、德国商业银行制度的主要方面进行比较研究，包括商业银行的类型和名称、外部组织形式、业务经营制度、存款保险制度和商业银行的发展趋势；以及对美国、英国、日本三国的金融监管制度进行了较详细的分析；并在此基础上结合我国实际，分析了我国可从中得到的有益借鉴和启示；根据以上分析，得出我国商业银行制度风险产生的根源在于我国特有的产权制度、组织制度、资本制度和法人治理制度等。为了防范和化解我国商业银行的制度风险必须从消除这种风险产生的制度基础入手，通过制度创新来有效防范银行风险，本文提出了若干相关防范措施，包括：加速国有产权的分散化重组、改革国有独资商业银行的组织制度、改革与建设资本制度和建立现代商业银行法人治理制度等。更多还原

【Abstract】 Finance iS the core of contemporary economy,and commercial banking iS the principal part of finance system．After China j oined the WTO，the biggest problem which commercial banks of our country encounter has been the problem of systemrisks．Therefore．the research on managing and keeping away the commercial banking system risks of Our country has great academic and practical significance．By expatiating the basic theories of financial system．which includes the theoreticanalysis of four aspects：financial organization．financial market system．financial supervision system and financial system innovation．together with the characteristicsof commercial banks of Our country in the transitional period．the Paper analyzes the~eneration mechanism of the commercial banking system risks of our country．thedefnition and characteristics of system risks，the behavior and the various factors ofthe commercial banking system risks．one by one．At the same time．the main aspectsof American and German commercial banks．which include the type and appellationof commercial banks，the exterior form of organization。the dealings managementsystem．the deposit insurance system and the development current of commercialbanks，are compared．In addition，the financial supervision systems of America，British and Japan are studied in detail．Based on the above analyzing combined withthe situations in our country,the beneficial reference’and inspiration that we can draware analyzed．Then it Can be concluded that the origins from which the commercialbanking system risks of Our country derive exist in the peculiar property right system，organization system，capital system and juridical person system of our country,etc．Therefore．to prevent and solve the commercial banking system risks of OUr countrY,we should begin with eliminating the system sources that result in risks．and keepaway the banking risks effectively by innovating the system．In this paper,severalprecaution measurements are also proposed．including accelerating decentralizedregrouping of country,owned property,reforming the organization system of thecommercial banks monopolized by the COlintry,reforming and constructing capitalsystem，establishing modem iuridical person system of commercial banks，and SO on．更多还原