【作者】 王涛；

【导师】 王鹤春；

【作者基本信息】 沈阳师范大学 ， 公共管理（专业学位）， 2020， 硕士

【摘要】 我国进行银行监管的政府机构主要有中国人民银行和银保监会等,它们是我国政府顺应银行业发展趋势不断完善的监管产物,具有较浓的行政色彩。本文采用访谈法,针对政府对S市城商银行监管中取得的成效及存在的问题进行了研究,提出了有针对性的改善对策,以期有效提高与改善政府在S市城商银行监管中的效用。本文首先基于对S市银保监分局、中国人民银行等政府监管主体的实际调查,详细介绍了政府对S市城商银行主要采取的监管措施,包括市场准入管理、资产评级、现场检查、非现场检查,并以S市城商银行的运营数据来说明政府监管的成效。接着,通过与S市政府监管部门人员进行访谈,结合实际监管案例,说明政府在其监管过程中存在的一些问题,即:监管方式比较落后、监管人员配置及专业水平不足、监管中信息沟通不足以及对银行的风险把控不足,并分析了问题产生的原因,一是监管理念和方法创新不足,二是缺乏监管人员队伍建设及培训,三是缺乏完善的沟通协调机制,四是风险评估和管控机制不健全。最后,本文针对以上问题,有针对性地提出了加强政府对S市城商银行监管的对策,一是提高监管人员的监管能力;二是完善政府内部监管监督管理制度;三是加强对银行的风险管控。更多还原

【Abstract】 China’s banking regulatory agencies mainly include the people’s Bank of China and the China Banking and Insurance Regulatory Commission,which are the regulatory products of the government’s continuous improvement in line with the development trend of the banking industry,with a strong administrative color.In this paper,the case analysis method is used to study the effectiveness and problems of the government’s supervision of s city commercial banks,and put forward targeted improvement measures,in order to effectively improve and improve the effectiveness of the government in the supervision of s city commercial banks.Firstly,based on the actual investigation of the sub Bureau of banking and insurance supervision of S City,the people’s Bank of China and other government regulators,this paper introduces the main regulatory measures taken by the government for S City Commercial Bank,including market access management,asset rating,on-site inspection,off-site supervision,and explains the effect of government supervision with the operation data of S City Commercial Bank.Then,through interviews with the supervisors of s municipalgovernment,combined with the actual supervision cases,this paper explains some problems existing in the supervision process of the government,namely,the backward supervision mode,the insufficient allocation and professional level of the supervisors,the insufficient information communication in the supervision and the insufficient risk control of the bank,and analyzes the causes of the problems.The first is the supervision concept and method.Lack of innovation,lack of team building and training of supervisors,lack of perfect communication and coordination mechanism,and imperfect risk assessment and control mechanism.Finally,in view of the above problems,this paper puts forward the countermeasures to strengthen the government’s supervision of s city commercial banks,one is to improve the supervision ability of the supervisors,the other is to improve the internal supervision and management system of the government,and the third is to strengthen the risk control of the banks.更多还原