中国银行业监管问题研究

【作者】 李建新；

【导师】 曾令华；

【作者基本信息】 湖南大学 ， 金融学， 2003， 硕士

【摘要】 本文从理论和实践两个方面对中国银行业监管工作中的有关问题进行了探究，全文共分三章： 第一章银行业监管概述，首先分析了银行业监管的必要性理论，其次对银行业监管的主、客体进行了分析，再次，对银行业监管的内容、方法进行了分析，最后对银行业监管的成本、效益、效率进行分析； 第二章中国银行业监管的现状。本章深入实际分析了近年来银行监管取得的成绩，又从监管对象、现行银行监管体制、监管的社会环境三个方面对中国银行业监管的现状进行了探究。 第三章中国银行业监管的完善。本章针对现状中存在的不足，以及面临的国内、国际形势，从理念、功能、制度、机制四个方面提出了完善中国银行业监管的若干建议、措施、手段。 通过对以上的逐一分析，特得出如下结论 一、无论是从金融市场的不完全性、市场失灵，以及从金融创新的角度考察，对银行业的监管的十分必要的，特别是对于缺乏市场机制约束的中国银行业，外部监管就尤显必要。 二、认为将银行监管分离出央行，加强三大监管机构的协作的举措是适宜的，前景应是美好的。同时认为统一监管应是我国银行业监管的必然趋势。 三、本文通过对银行监管的收益、效率的分析。描绘出一个几何图形，认为在现在的中国银行监管应是使被监管机构的行为永无止境地向监管机构的目标进发。 四、中国银行业产权制度不完善，内部控制不力，审慎经营不足。以及监管主体理念落后，监管制度设计缺憾。更有监管活动中最活跃的因素人(包括被监管机构和监管机构)控制不力是长期制约中国银行业监管发挥更大作用的瓶颈。 五、及时革新监管理念，合理调整监管制度，完善银行的公司治理结构，坚持审慎性经营和监管的原则，特别是坚持以人为本的监管原则，是进行我国有效银行业监管的必经之路。更多还原

【Abstract】 Combining the theoretical and practical researching method, this paper explores the main problems existing in the banking supervision. It includes three chapters:The first chapter is the full view of the banking supervision. In this chapter, firstly introducing the theories of the banking supervision. Secondly analyzing the subject, the financial institutions. Thirdly analyzing content and methods of the supervision. Finally analyzing the cost, revenue, efficiency of supervision.The second chapter is the situation of the Chinese banking supervision. In it, the author analyses the success of the banking supervision for the last years, also situation of the supervision combining the financial institution, the banking supervision system and the social supervision condition by studying practice.The third chapter is the improvement of the Chinese banking supervision. Due to the defects pointed out in the second chapter and the domestic and international condition, the author puts forward much suggestion, many methods and solutions to improve our banking supervision in four aspects including supervision ideas, supervision functions, supervision systems and supervision mechanism.By analyzing above all, the author gets some conclusions:The first, the banking supervision is necessary because of not only the imperfect of financial markets but also the financial market failure. This concept is also right viewed from the financial innovation. This is more important for china because china is absent of the strict of the market economy.The second, the author thinks it is a good ideal that the government divides the banking supervision from the central bank and be strengthen three touching conference mechanism. And also thinks the united supervision is the orientation of our country banking supervision.The third, the author points out a chart by analyzing cost, revenue, efficiency of supervision. If the bank action is close to the banking supervision goal, we can say that the supervision has gained good effect.The fourth, the imperfect ownership of banks, poor self-control, the grave defect of prudential supervision, poor ideas of banking supervision, the defect of supervision designing, and especial the active fact -man are the bottlenecks of the Chinese bankingsupervision.The fifth, innovating the supervision ideals on time, adjusting the supervision systems, perfecting the banking management structure, insisting on prudential management and prudential supervision are the sole road to the effective supervision in china.更多还原