我国银行监管的有效性问题研究

【作者】 刘立枫；

【导师】 王伟；

【作者基本信息】 郑州大学 ， 国民经济学， 2006， 硕士

【摘要】 2001年12月11日，中国正式成为WTO第143位成员。按照当时中国加入WTO时在金融服务贸易方面的承诺，2006年底，外资银行将享受彻底的国民待遇，中国将开始真正置身国际经济贸易金融的大棋局。伴随全面开放的日益临近，一系列中国宏观金融的重大命题，比如：怎样保证中国金融稳定的同时推进金融架构的重塑?在开放过程中如何把握国家金融主权和金融安全等等，它们更加突出地引起了理论界和业界的关注，也为国际社会所瞩目。其中，银行监管有效性问题在新的形势下更加突出，尤其是银行监管的协调成本和监管效率等问题，已经影响了金融创新和中国金融事业的发展。本文首先认真回顾世界银行监管和中国银行监管的历史和发展阶段，总结世界银行监管历史发展各个阶段的特点，并与我国银行监管发展历程相比较，得出我国银行监管专业化体制已经初步形成的结论。在系统研究银行监管理论时，主要运用了信息经济学原理、委托——代理理论等对银行监管理论进行综合分析，系统回答为什么要有银行监管的本原问题。在文中介绍了一般监管理论和实务，集中对我国银行监管中存在的问题进行了比较深入地分析，从银行监管有效性的基本内涵和银监会提出的我国有效银行监管的六个标准出发，结合当前我国银行监管实务中存在的突出问题和矛盾，归纳出判断银行监管有效性的四个主要方面的标准。对照这些标准，对目前我国银行监管的有效性进行了评价，最终得出结论：目前我国银行监管的有效性在宏观目标方面是比较好的，比如银行业总体的稳定性。但从微观上看，银行监管没有注重效益性分析和评价，监管者自身的效率和对被监管者的市场效率急待提高，所以我国银行监管的总体有效性不高。论文对影响我国银行监管有效性的因素进行了深入地分析，在此基础上，提出了提高我国银行监管有效性的建议，就是更新监管理念，纠正监管重心；完善监管手段，提高监管水平；注重监管的成本效益分析；健全银行监管体系，发挥市场约束的监管作用；培育健康的银行监管环境；建立有效的银行监管协调机制等。更多还原

【Abstract】 On December11, 2001, China formally became the 143rd member of WTO. According to the commitments China had made in financial service trade for entry of WTO, the foreign-funded banks will enjoy a total national treatment by the end of 2006, China will start to stay in the internationally economic trade and financial setup. With the increasing approach to complete openness, a series of so significant propositions for China’s macro-finance have attracted more outstanding concern of the theory circle and the industry communities, as well as the focus of international society, such as how to guarantee financial stability in China while pushing forward remolding the financial configuration? How to maintain the national financial sovereignty and financial security in the open-door process? Among these problems, banking supervision effectiveness becomes much more outstanding under the new situation, particularly, such problems as the coordination cost, supervision efficiency for banking supervision, have affected the financial innovation and the development of China’s financial industry.In this paper, a careful review of the history and development stages for world banking supervision and China’s banking supervision is made first of all, summarizing the characteristics of each development stage, and a conclusion is drawn comparing to the developing procedure of China’s banking supervision that a specialized regime for China’s banking supervision has preliminarily be formed. On making a systemic study on banking supervision theories, the author uses principles of information economics, entrust -agency theories, etc. and a synthesized analysis is made on banking supervision theories, answering the nature problem why there is banking supervision. A general introduction of regulatory theory and practice is made in the paper, concentrating to make a thorough analysis on the existing problems in China’s banking supervision, starting from the essential contents of baking supervision effectiveness and six standards for effective banking supervision proposed by CBSC, combining the existing outstanding problems and conflicts in the practices of banking supervision in China, and in the end four main aspects of standards are given for judging the effectiveness of banking supervision. Comparing with these standards, assessing the effectiveness of the present banking supervision in China, a conclusion is made that the effectiveness of the present banking supervision in China from a macroscopic view is rather good, for example, total stability in banking. But seen from the microscopic view, no effect analysis and assessment is made for banking supervision, and the efficiency of banking regulators themselves and the market efficiency of the regulated object are to be improved, therefore, the total effectiveness of banking supervision in China is not high. In the thesis a thorough analysis is made on the factors influencing China’s banking supervision effectiveness, on the basis of which, suggestions are made for accelerating the effectiveness of banking supervision in China: to renew banking supervision conceptions and rectifying the focuses for banking supervision; to perfect the means for banking supervision so as to increase banking supervision level; to pay much attention to cost- effective analysis on supervision; to consummate banking supervision system in order to put the regulatory role of market binding into play; to foster a healthy banking supervision environment; to establish an effective coordination mechanism for banking supervision, etc.更多还原