【作者】 王建平；

【导师】 彭国甫；

【作者基本信息】 湘潭大学 ， 公共管理， 2008， 硕士

【摘要】 政府实施对国有商业银行的有效监管,能保障国有商业银行体系的安全运行,是推进我国政府金融体制改革的重要内容。目前,世界各国政府都对银行采取严厉的管制,控制其外部负效应。我国国有商业银行金融产品创新较少,混业经营程度不高,竞争性不强,在面对严峻的国际金融形势和步履艰难的改革条件下,政府通过怎样的监管机制和手段,实施积极、有效的政府监管,并不断提高国有商业银行运作效率和降低国有商业银行运作风险,进一步完善国有商业银行内部公司治理结构,己成为推进我国国有商业银行改革和发展的一项重要课题。国有商业银行的政府监管问题不仅属于金融学研究的范畴,也是管理学研究的重要课题。论文试图从公共管理的视角去研究国有商业银行政府监管问题,体现了较强的学科交叉性。本文综合运用管制经济学、公共管理理论、金融经济学理论,力图从政府对国有商业银行监管的角度,分析目前我国政府对国有商业银行监管存在的具体问题,研究政府应该如何发挥监管作用和履行监管职能,以形成监管者与被监管者良性互动机制,从而有效防范风险和化解风险,来提升我国国有商业银行的竞争力。本文的创新之处在于选取国有商业银行政府监管这一问题,结合中央银行执行货币政策独立性的理论,以及我国政府机构改革的发展前景,提出要建立一个综合性政府监管机构——国家金融监督管理局,实现对以银行为主体的多种金融机构的共同监管,达到信息共享、提高银行监管效率的目标。整个研究建立在现行金融宏观调控政策及监管制度上,科学运用经济的、法律的手段对现阶段我国国有商业银行进行政府监管,以期加强理论研究成果的实用性和现实针对性。更多还原

【Abstract】 An effective supervision that government put against the state-owned commercial banks can ensure that the system of the state-owned commercial banks works safely. That is the important content of forging the reform of the banking system of our government ahead. At present , severe supervisions on the banks adopted by governments of all countries in the world can control outside of the person shoulders effectively. The state-owned commercial banks of our country have little financial products innovated nor competitiveness ,and the degree of turbid job manage is low. What kind of the oversee mechanism and means adopted by government facing austere international finance circumstances and the difficulties of reformation have the ability of supervising the state-owned commercial banks actively and effectively and improving the efficiency of operating of the commercial banks unceasingly and reducing the risk and perfecting the company govern structure of the inside of the state-owned commercial banks ?That has became the vital subject that advance the reform and development of the commercial banks of our country.The problem of supervision of government on the state-owned commercial banks not only belong to the category of finance but also is the important content of Principles of Management studies .The thesis has tried to study the supervision of government on the state-owned commercial banks from public management viewpoint that represent the considered cross of discipline. The paper applied Regulation Economics, Public Management Theory and Finance Economics Theory synthetically and analyzed the concrete problem at present from the point of view of the supervision of the commercial banks of our government and studied the way that can shape the benign mechanism between inspector and interactive person and increase the competition of the commercial banks of our country is to improve the effectofsupervisionandfulfill the responsibility of overseeing and keep risk away and decreaserisk. overseeing and keep risk away and decrease risk .The innovation of thesis is that the subject associate with the supervision of the state-owned commercial banks of government, putting the discipline of monetary policy independent and the development prospect of reform of the government of China together. The paper brought forward to build integrate institution of supervision, finance supervision management bureau, which supervises the main force of finance institution to reach the goal of share information and improve the efficiency of supervision. The study that base on the policy and regulation of finance macroscopic with the means of economy and law supervise the state-owned commercial banks by government of our country and look forward to strengthening the practice of the results of studies and aiming at reality.更多还原