开放经济条件下对我国银行监管的思考

【作者】 张喜玲；

【导师】 李燕君；

【作者基本信息】 西南财经大学 ， 金融学， 2006， 硕士

【摘要】 改革开放20多年来,尤其是中国银行业监督管理委员会行使银行监管职能以来,我国银行监管工作取得了较大的成绩。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,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。我国自2001年12月11日起正式成为世界贸易组织(WTO,World Trade Organization)成员,享有WTO的基本权利,同时承担与之相适应的义务。我国政府承诺在2006年底按照WTO的规则全面放开国内市场。这意味着我国银行业也要在短时间内全面开放,届时中资银行必然面临空前的机遇和与外资银行的激烈竞争,同时面对国际规则以及外资银行的混业经营,这就要求银行监管更有效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和监管环境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的有关问题进行了种种探讨,并且在很多方面达成了共识,然而当前面临金融经济的全面开放,在开放经济条件下对银行监管理论及实证的分析缺乏系统和深入的研究,同时对我国的银行业监督管理部门的监管能力与监管水平也提出了空前的挑战。因此,如何正视我国银行业监管部门监管的现状与监管工作中存在的问题,是目前迫切需要解决的现实问题。本文从应对开放经济提高监管部门监管水平、促进国内银行业长期稳定发展的角度出发,深入分析全面开放经济条件下,我国银行业监督管理部门的监管工作面临的诸多挑战,提出建立既符合我国国情,又适应现代银行业发展要求,且与国际金融业监管惯例和规则接轨的现代银行业监管模式和监管理念。本文主要包括四部分内容:第一部分从理论上入手,对开放经济与银行安全、我国经济开放过程中的银行风险的关系以及银行监管的动因加以分析。第一节指出国外理论界学者专家对开放经济的概念界定,以及开放经济对银行安更多还原

【Abstract】 Since 20-year reform and opening, especially the China Banking Regulatory Commission independently having been exercising bank supervision,we have made great progress. From pure rule-auditor supervision to cautious supervision regards avoiding the financial risk. The core, all of these scribes that bank supervision is heading for the scientific, legal, normal orbit gradually. Our country has formally been one of the WTO (WTO, the World Trade Organization) members, possess the WTO basic right, undertaking the duty that adapts mutually with it since December 11 in 2001. According to the WTO signed relevant agreement, our country will open the financial industry completely in 2007. Then the financial industry will face the larger impact with challenge and the unprecedented opportunity, face the international rule and the foreign capital banks to mixed management,requesting the bank to take charge of efficiently moving with the heavy responsibility of the international competition ability, so as to promote financial system reformation with the development of the national economy in China. The efficiency of bank supervision shows the independence increasingly. That reflects the functions and abilities of·the bank supervision at the current supervision target. In a few past years, there are many discussions on the bank supervision in the economic and financial theories field in China, and some of them have reached common sense. However, we lack of systematical and thorough research on the efficiency theories and the positive analyses of bank supervision on condition of open economy. at the same time,the Management of the ability and the level of the supervision also put forward the unprecedented challenges.Therefore, how to face the present condition and the existent problem of our country bank supervision are realistic problem to be resolved urgently. From improving the level of bank supervision and更多还原