【作者】 陈平；

【导师】 曹海晶；

【作者基本信息】 华中师范大学 ， 经济法学， 2005， 硕士

【摘要】 在国有商业银行股改全面推进之时,金融大案却不断爆发。如何防范金融机构的腐败问题,如何完善国有商业银行的监管成为社会关注的热点。国有商业银行的一系列案件,不仅反映了内控和风险管理方面的缺陷,也反映了监管体制的缺陷。大量研究资料表明,银行业的盛衰主要是受到经济大环境的影响和当地法制化水平的支持。国有商业银行股份制改革是20多年来中国银行业的改革的继续和深化。中国银行业的改革是在传统计划经济向社会主义市场经济转轨的大背景下进行的,经历了长期的、阶段性的演变过程,有其自身的演变轨迹和发展规律。我国金融监管的一大问题是静态化、事后化、强调行政审批和管制,缺少动态的、预警的、以风险为导向的市场化处理方式。应该说,这是在转轨时期,中国金融领域存在的一些特有的体制现象。由此决定了对国有商业银行的监管应该建立一套有别于一般商业银行监管的法律体系。 特定的研究主题需要相应的理论与背景,同时也需要有与理论相联系的研究方法。本文以法学、经济学和社会学等相关理论为指导,运用历史分析方法、比较研究方法、实证研究与规范研究相结合的研究方法对国有商业银行监管进行动态考察,文章从国有商业银行制度变革和风险控制的特殊性入手,重点分析了对国有商业银行实施特殊监管的必要性和现实性,并针对存在的相关问题,提出了相应的法律对策.全文共分四个部分。 引言部分,主要介绍了对国有商业银行股份制改实行特殊监管的必要性,并简要阐述了本文的选题意义及研究思路。 第一部分,分析了国有商业银行股份制改革监管法制的现状及存在的问题。首先分析了国有商业银行股份制改革过程中的制度变革及风险控制的特更多还原

【Abstract】 When the state-owned commercial bank change to push forward it completely, the financial big case breaks out however and continuously. How to against the corrupt problem of the financing institution, how the perfect and state-owned commercial bank Supervision hot point that become society’s pay attention to. A series of case of the state-owned commercial bank, not only reflected the inner-controlled managing the blemish of the aspect with the risk, but also reflected to the blemish of Supervision system. The large quantity research data expresses, the rise and fall of the banking is under the influence of economicly great and environmentally primarily to legalize the horizontal support with the region. The state-owned commercial bank share system reformation is a Chinese banking in more than 20 in the last years reformed continuously with deep turn. The reformation of the Chinese banking turns to socialism market economy at the traditional planned economy what the big background of the economy turn-type descends to proceed, experience long-term of, the stage turns into the process sexually, having its oneself turn into the track with develop the regulation. The big problem of our country finance Supervision is market that static turn, the after the event turn, emphasizes the administration examination and approval with the control, being in need of dynamic, early-warning, regards risk as to lead to turn to handle way. Should say, this is turning the turn-type period, the some special system phenomenon that Chinese financial realm exsits. Coming to a decision to supervision to the state-owned commercial bank from here should establish a set of having do not in general the law system that commercial bank supervision. Homologous theories in demand in topic in particular research and background, also need to is mutually with theories the research method that contact. This text with the method learns, the economics waits with the sociology related theories isguide, make use of the history analysis method, compare research method, substantial evidence research and norm the research method that research combine together takes charge of to the state-owned commercial bank the proceeding development investigates, the article replaces from the state-owned commercial bank system to commence with the special that risk control, the point analyzes to puts to the state-owned commercial bank into practice special the necessity that supervision with realistic, and aim at the existent and related problem, put forward the homologous legal countermeasure. The full text is divided into four parts totally.Preface part, introduced the necessity that special supervision to the state-owned commercial bank share system reformation, and points out the significance of the subject and the writing conception.The first part, analyze the state-owned commercial bank share system reformation supervision legal present condition and existent problems. Analyzed first the state-owned commercial bank share system reformation system in the process replace and special that risk control, from but have to go abroad the commercial bank supervision and should have do not in general commercial bank. The next in order, analyze the current state-owned commercial bank supervision legal present condition and existent problems, such as: Taking charge of the lawmaking system sets up the top exsits many doing not moderate or not reasonable place; Supervision to enforce the law not strict, supervision the scope choice disadvantage in realizes to supervision effectively, and also the disadvantage pursues the efficiency in the commercial bank, taking charge of the legal power of the corpus not clear and definite, supervision the means to ascend to lack to leak with the method, supervision the mechanism not perfect and ineffective and live, supervision the legal system to exsits in the aspects of adapting to banking internationalizing shortage; In addition, supervision the judicial and related kit policy is not sound with the legal system.更多还原