【作者】 罗春华；

【导师】 马伯钧；

【作者基本信息】 湖南师范大学 ， 政治经济学， 2004， 硕士

【摘要】 改革开放20多年来，尤其是人民银行独立行使银行监管职能以来，我国的银行监管工作取得了较大的成绩。从混业监管到分业监管，从单纯的合规性稽核监管到目前以防范金融风险为核心的审慎性监管，都标志着我国的银行监管正逐步走向科学化、法制化、规范化的轨道。根据我国加入WTO所签的有关协议，我国将于2007年全面开放金融业，金融业即将面临更大的冲击和挑战，要求银行监管更有效率地担负起提高银行业运行的效率和银行业国际竞争力的重任，以促进我国金融体制改革和国民经济的发展。银行监管效率正日益表现出独立性，反映了银行监管职能在既定的监管目标下的作用程度和能力大小。这些年来，我国经济金融理论界对银行监管职能有关问题进行过种种探讨，并且在很多方面达成了共识，然而从总体上而言，对银行监管效率理论及实证的分析缺乏系统和深入的研究。或者说，未能将银行监管效率作为一个独立的研究对象进行相关地研究，也缺乏一套可操作性的效率状况价值评判体系。所以，将银行监管效率作为独立的研究对象，深入剖析我国改革开放二十多年来监管效率的历史性和现实性，设计出监管效率状况的价值评判体系，并对已有的监管实践做出评价，以求对未来监管政策的制定、实现监管目标提供参考，是具有十分重要的现实意义的。因此，本文从对银行监管效率作一般性分析入手，归纳影响监管效率的主要因素，即经济金融环境、宏观经济状况、银行监管机构的独立性、监管机制、银行产权结构和内部治理机制及非经济因素等六个因素；尝试性地将银行监管职能分成激励能力、经济增长的支持能力、保险能力和约束能力四个组成部分，并设计出相应的价值评判体系：激励能力评判体系、经济增长的支持能力评判体系、保险能力评判体系和约束能力评判体系；然后，根据这些影响因素和评判体系，对我国改革开放以来的银行监管效率进行实证分析，得出了我国二十多年来的监管效率状况属中等的结论；接着，与美、日、香港三个国家(地区)的银行监管效率加以比较，并得到了一系列的启示;最后，分别从监管机制的重新设计、培育监管的微观基础、构建以信息披露机制和透明度为核心的市场约束机制，完善系统化的银行监管体系等四个方面提出了相应的对策，从而完成了开放经济条件下我国银行监管效率的研究。更多还原

【Abstract】 Since 20-year reform and opening, especially the Central Bankindependently having been exercising bank supervision , we have madegreat progress. From mixed supervision to divided supervision , frompure rule-auditor supervision to cautious supervision which regardsavoiding the financial risk as the core ,all of these scribes that banksupervision is heading for the scientific, legal ,normal orbit gradually.According to the WTO signed relevant agreement, our country willopen the financial industry completely in 2007. The financial industrywill face the larger impact with challenge, requesting the bank to takecharge of efficiently moving with the heavy responsibility of theinternational competition ability, so as to promote financial systemreformation with the development of the national economy in China. Theefficiency of bank supervision shows the independence increasingly.That reflects the functions and abilities of the bank supervision at thecurrent supervision target. In a few past years, there are manydiscussions on the functions of bank supervision in the economic andfinancial theories field in China, and some of them have reachedcommon sense. However, we lack of systematical and thorough researchon the efficiency theories and the positive analyses of bank supervisionin the whole .In other words, the efficiency of bank supervision couldnot be regarded as a unique object to study attentively. And a set ofvaluation system that practices efficiently is not formed. In order to begood for drafting supervision policies and realizing the supervision aim,it is very important to regard the efficiency of bank supervision as aunique object to deeply analyze, devise the valuation system ofsupervision efficiency, and evaluate the supervision practice. Therefore,beginning with the general analyses of the efficiency of bank supervision,this paper sums up the main factors that influence supervision efficiency,namely the economic financial environment, macroscopic economiccondition, the independence of the supervision organization, the supervision mechanism, the construction of property rights of bank and interior management mechanism , non-economic factors and so on. The writer makes an attempt to divide the bank supervision function into four parts such as the incentive abilities, the abilities of support the economy growth, the security abilities and limitation abilities. The corresponding valuation systems are also devised. According toi these factors and valuation systems, the writer makes positive analyses of bank supervision efficiency and makes a conclusion that the level of efficiency of bank supervision is middle in China in the past 20 years. Furthermore, a series of revelation is obtained in contrast with the efficiency of bank supervision in the United States, Japan and Hong Kong. Finally, the paper puts forward some corresponding countermeasures from four aspects such as re-designing of the supervision mechanism, cultivating the micro-base of supervision, informing market restriction mechanism, and consummating the systematic bank supervision systems.更多还原