【作者】 杨涛；

【导师】 肖慈方；

【作者基本信息】 四川大学 ， 世界经济， 2007， 硕士

【摘要】 2006年12月11日，中国金融业正式全面对外开放，这标志着外资银行开始享受国民待遇，中外资银行将在更加开放和复杂的国际环境下展开竞争。外资银行的进入对我国竞争性金融市场的发育和完善以及国内银行经营管理水平的提高，加快中国经济改革的步伐无疑将会起到重要的积极作用，同时也给中国银行业带来巨大了的金融风险。加强外资银行的监管就显得十分重要，从理论上说，当前没有专门关于外资银行监管的理论体系，从实践上说，由于监管目标不同、监管机构不同、监管内容和标准不同，中外资银行在监管上存在很大的差别，因此，全面把握银行业全面开放带来的机遇与挑战，借鉴国际经验，在更大程度的经济开放环境下完善我国外资银行监管，促进中外资银行良性竞争，维护国家金融安全，不仅具有重要的理论意义，而且具有重要的现实意义。论文以银行一般监管理论为指导，按照银行监管的一般方法，结合我国外资银行业发展和监管现状，借鉴国外发达国家对外资银行监管的经验，对外资银行监管问题进行了系统全面的研究。论文既包括了银行监管的基本理论，也包括了外资银行监管的实践探索；既有我国外资银行监管的历史考察，也有外资银行监管现状介绍；既指出了我国外资银行监管存在的问题，也提出了完善我国外资银行监管体系的具体对策措施。文章主要分为三部分，第一部分，外资银行监管的一般理论部分，主要介绍了外资银行的基本情况，包括其产生、发展及组织结构：然后阐述了监管外资银行的理论依据，对外资银行监管的内容和要求进行了介绍，以为下文分析我国外资银行监管体系提供理论支撑。第二部分为外资银行监管的国际比较部分，主要包括第三章的内容，分别沿着组织体系、业务调控管理、风险监管等三个角度对外资银行监管的国际惯例和各国的实践进行了比较分析，其中选取部分具有代表的国家进行了重点介绍。第三部分，加强我国外资银行监管部分，主要包括第四章和第五章的内容，对我国外资银行的发展现状进行了分析，明确当前我国在对外资银行监管中存在的问题。最后根据我国对外资银行监管的实际情况，以外资银行监管理论为指导，借鉴国际对外资银行监管的先进经验，对建立健全我国以风险监管为核心的外资银行监管体系，提出了相应的具体措施建议，以期通过完善外资银行监管，进一步降低外资银行可能引发的金融风险，营造良好金融生态环境，促进中外资银行和谐良性竞争，为我国国民经济的又好又快发展提供良好的金融支持。更多还原

【Abstract】 On Dec. 11^th, 2006, China’s financial industry was totally opened to the outside world, which signified the foreign-funded banks should enjoy the national treatments and domestic and foreign banking should compete with each other under more open & complex international environment. The entry of foreign-funded banks should benefit the building & sophistication of China’s competitive financial market and the level of operation & management of domestic banks, which should undoubtedly speed up China’s economic reform and bring dynamic financial risk that foreign-funded banks self-operational risk and transition of international financial risks, furthermore, specific risk accompanying developing countries should confront China’s banking industry, that is to say, foreign-funded banks should squeeze the survival horizon and lead to the loss in business and bankruptcy of domestic banks and the monopolization & control of foreign-funded banks in financial sector and national economy, which should eventually force China’s national financial industry to survive and loss its financial safety in competitive crack. So it’s paramount to intensify the supervision of foreign-funded banks, in the theoretical sense, dedicated theoretical system on the supervision of foreign-funded banks hasn’t been constructed, in the practical sense, due to the diversified supervision aims, institutions, contents and criteria, there are great differences between the supervision of China’s banking industry and foreign banks. Therefore, overall understanding of opportunities and challenges brought by the opening-up of China’s banking industry, we should use advanced international supervision exercises for references and optimize the supervision of foreign-funded banks under more open economic environment, which should promote the healthy competition of domestic and foreign banks and maintain the safety of national financial industry.Guided by general supervision theory, this paper relies on general supervision methods, combines the development and supervision of China’s foreign-funded banks, and uses the practice of intemational supervision on foreign-funded banks, then systematically and wholly studies the supervision on foreign-funded banks. This paper not only includes fundamental theory on banking supervision, but also discuses the practical probe of foreign-funded banks supervision; not only historically inspects China’s supervision on foreign-funded banks, but also introduces the realities of supervision on foreign-funded banks; not only demonstrates the existing problems of China’s supervision on foreign-funded banks, but also puts forward relevant counter-measures sophisticating the system of China’s supervision on foreign-funded banks.This paper is consisted of three parts, the first one mainly introduces the general theory on the supervision of foreign-funded banks and the basic status of foreign-funded banks, including birth, development and institutional framework, then expands on the theoretical base of supervision and introduces the contents and requirements of foreign-funded banks supervision, which provides theoretical support for the continuation analysis on the system of China’s supervision on foreign-funded banks. The second part, this essay compares the international supervision on foreign-funded banks, which mainly includes the contents of 3^rd chapter and respectively comparatively analyzes the supervision of foreign-funded banks from three prospects: institutional framework, adjustment and risk management, in which some typical countries practices are included. The third part, how to establish the system of China’s supervision on foreign-funded banks, which mainly includes the contents of fourth and fifth chapter. In this part, this essay analyzes the developing status of China’s foreign-funded banks and puts forward the existing problems of the supervision of China’s foreign-funded banks. Finally according to the supervising practices of China’s foreign-funded banks and guided under the theory on the supervision of foreign-funded banks, this paper uses the advanced practices of international supervision on foreign-funded banks for reference and submits some specific counter-measures on constructing sound supervising system of foreign-funded banks and further decreases financial risks brought by foreign-funded banks, based on which cultivates perfect financial ecologic environment, fortifies the healthy competition between domestic and foreign banks and provides perfect financial support for well and rapid development of China’s national economy.更多还原