【作者】 刘进；

【导师】 吴丰；

【作者基本信息】 四川大学 ， 国民经济学， 2003， 硕士

【摘要】 我国银行业在金融业中一直占最大比重，银行业在经济中也起着举足轻重的作用。一旦银行业出现危机，必将对经济的整体运行产生巨大的冲击。本文主要研究加强银行监管来防范金融风险。本文通过分析我国银行业存在的风险以及与银行监管的关系，重点研究通过加强银行监管来控制和化解我国银行业存在的风险。 本文首先从银行监管的定义入手，分析了加强银行监管的重要性。通过分析银行业在金融和经济中的重要地位得出我国银行监管的重要性；然后分阶段讨论我国银行体系和我国银行监管的历程，着重说明各阶段改革的重点，接着分析国内对银行监管的研究现状。因国内对银行监管作全面研究的文献甚少，本文就列举一些与本文研究有相关性的文献作分析；再次是对国外银行监管的内容及国际银行监管的趋势作分析，并结合我国银行业显在和潜在的风险得出我国当前银行监管的重点和难点，比如，如何提高银行资本充足率(包括充实资本金和降低不良资产)，存款保险制度建立的必要性及难点；最后在加入WTO的环境下，分析更开放的经济环境同银行监管的关系，提出一些加强银行监管的对策，分四个方面研究，提高资本充足率的对策研究，存款保险制度建立的可行性研究，风险监管理论的研究以及对外资银行监管的对策研究。更多还原

【Abstract】 This thesis analyzes the bank risks in China and the relationship between banking supervision and bank risks. The significant research of this thesis is how to strengthen the banking supervision and prevent the financial risks in China,First, this thesis analyzes the concept of banking supervision and the importance of banking supervision in China. Then, this thesis discusses the evolvement of bank system and the process of the banking supervision in China. Especially, it explains the focal points of reform in this process. This thesis also analyzes the present conditions of the research of Chinese banking supervision. Because there are few people to do research on the overall banking supervision, this thesis will list the related articles. Once more, on the base of analysis of the development tendency of international banking, this thesis puts forward the emphases and difficulties of our present bank supervision. It includes how to enhance the rate of capital adequacy and how to establish the Deposit Insurance Corporation in China. Finally, under conditions of joining WTO, the thesis analyzes the relationship between the more exoteric environment and bank supervision. Then, it will put forward some suggestions to strengthen bank supervision in four aspects as below. First is the enhancement of the rate of capital adequacy. Establishment of Deposit Insurance Corporation is the second one. Third is introduction of the system of risk management. And the last one is about the supervision of external banks.更多还原