【作者】 袁梁；

【导师】 霍学喜；

【作者基本信息】 西北农林科技大学 ， 金融学， 2005， 硕士

【摘要】 随着我国金融体制改革的逐步深化,金融监管作为金融主管部门的主要职能愈来愈引起国内金融理论界和实业界的广泛关注,尤其是银行监管更是被提升到了金融监管的重要日程上来。然而,国内对商业银行监管的研究一般都集中在监管体制,金融监管的分业、混业,资本充足率、资本金补充,不良资产降低,以及存款保险设立等方面。其中对商业银行监管体系的系统性研究以及实际操作模式的研究,存在明显的缺陷和值得关注的问题。本文正是针对这种情况,以经济全球化和金融自由化为背景,在借鉴国内外商业银行监管理论和研究成果的基础上,探索构建了组织结构体系、调控管理体系和风险预警体系为一体的商业银行监管体系框架,并通过构建的监管体系框架对我国与发达国家的监管体系进行系统的比较分析,提出国际经验对我国商业银行监管体制完善的借鉴意义。同时,根据国际金融监管发展趋势,并结合我国金融监管的实际需要,提出建立我国统一金融监管体制的构想。本文分为四部分,共六章。第一部分即本文的第一章。简要介绍了本文选题的背景、目的和意义,论文研究思路和方法,以及对已有的关于商业银行监管的研究成果进行简要的归纳、介绍,并提出本文的可能创新之处。第二部分为论文第二章、第三章和第四章。该部分对我国商业银行监管体系与发达国家商业银行监管体系进行了系统的比较分析,建立了商业银行监管体系框架,即监管的组织结构体系、调控管理体系和风险预警体系。第二章监管的组织结构体系是从不同监管模式、中央银行监管与独立监管机构监管的比较以及商业银行监管组织结构模式的选择依据等三个层次展开。第三章关于监管的调控管理体系,它是保护商业银行的安全网,包括日常监管、存款保险制度和最后贷款人制度。第四章监管的风险预警体系从风险预警体系的基本结构以及风险预警体系建立方法综述入手,比较了我国和国际上主要风险预警体系的特点和作用。第三部分为论文第五章。该部分在前两部分比较分析的基础上,提出了国际经验对我国商业银行监管体系完善的借鉴意义。借鉴组织结构体系和调控管理体系的经验,针对我国商业银行监管中存在的主要缺陷,提出建立有效监管和规范监管的改革思路和政策建议,特别是就尝试建立我国的预警指标体系,进行了实证分析。第四部分为论文第六章。该部分从分析国际金融监管体制的变革趋势入手,研究了我国金融业实行统一监管的动因,并构建了我国金融业统一监管的组织架构蓝图。主要研究结论: 1.建立可以降低危机发生可能的商业银行监管体系应该是我国银行监管体制改革的主要内容。国外的经验是要有一个健全、有效的组织结构体系,规范的调控管理体系更多还原

【Abstract】 With the gradual promotion of the reform in banking system of our country, financial regulation and supervision as the function of financial responsible institution causes the extensive concern about domestic financial theory circles and the business circles more and more, especially the bank regulation and supervision even more and has been raised to the important schedule of financial supervision. But the study on the commercial bank regulation and supervision usually focus on some aspects, for example capital sufficient rate, how about supplement of the capital, how to reduce the non-performing assets, whether set up deposit insurance, etc.. Moreover, carry on to systemic research of commercial bank regulation and supervision has obvious deficiency. This paper just consider this situation, regards global economic integration and financial liberalization as the background, try to establish the supervisory system frame of bank regulation, carry on systematic comparative analysis to the supervisory system frame of our country and developed country, and suggest the reference. Combine the reality of our country with the development trend of international financial supervision, put forward and set up the idea that our country unifies the financial regulatory system. This paper includes four parts that are divided six chapters. The first part, namely, chapter one, is the foundation of the study. The chapter one introduces the background, purpose and meaning, the train of thought and ways of writing, generalize and describes the newest research fruit about the commercial bank regulation and supervision, as well as put forwards the innovation points. The second part includes the chapters from two to four, which comparison the commercial bank regulatory and supervisory systems of our country with the developed country’s. Set up the systematic frame of commercial bank regulation and supervision, that is institutional framework system, governing control system and risk warning system. Chapter two, the institutional framework system provide contents by comparing the different mode of supervision, Central Bank supervision and independent organization supervision and choice basis of institutional framework mode of bank regulation and supervision. Chapter three about the governing control system it is a safety net which protects the bank, including the normal means, deposit insurance system and the lender of last resort system. Chapter four is on the analysis of basic structure of risk warning system and ways of setting up risk warning system, compares the characteristic and functions of the existing risk warning systems. Chapter five the third part of this text, this part is on the basis of two the first part comparative analysis, put forward the significance of its referential use to China for building up bank regulatory and supervisory system. Institutional framework system and governing control system are aim to the deficiency of our bank regulation and supervision, offers reform plans and policy suggestions for our country, especially try to set up the early risk warning system of our country, and analyses the real example. Chapter six the fourth part of this text, research the change trend of the international financial system, analyses of the implement reason of financial reform; build up the blueprint of financial regulation and supervision in the futures. Conclusion: 1. The commercial bank supervisory system than can reduce the possible of crisis take place is the main content of bank supervisory system reform of our country. Foreign experience is have a sound, effective institutional framework system, the normal governing control system and control risk warning system, this has meaning of using to system reform of our country’s commercial bank. 2. The bank regulation and supervision has not the best scheme at the global, the diversified characteristic appears in the supervisory system of bank all around the world. Various kinds of different management system and different regulatory system have a successful instance to make up, the more important thing is to choose regulatory systems accord with one’s own national conditions. 3. The united regulatory organic frame is more benefit in improving quality and efficiency of financial supervision. Therefore, the developing direction that the bank supervisory institutional framework is trending to supervise in unison, this is a kind of trend which any countries and regions can’t change under economic globalization and financial globalization condition. As the economy and finance of our country begin to develop, and the accumulation of supervisory experience, the time that our country realizes mixed operation and supervision in unison can not be remote.更多还原