【作者】 徐在亮；

【导师】 刘德煌；

【作者基本信息】 厦门大学 ， 金融学， 2006， 硕士

【摘要】 本文主要研究加入世界贸易组织后,外资银行监管领域所面临的问题困难及其解决措施。2001年底我国加入世界贸易组织,外资银行监管遭遇前所未有的挑战:(一)2006年后银行市场全面开放,外资银行将获得国民待遇,外资银行在中国金融市场加速发展,银行业竞争加剧,中国金融业的系统性风险及金融系统的不稳定性增大;(二)巴塞尔协议在全球范围内被广泛接受,按照巴塞尔协议及国际惯例要求来监管外资银行是对外资银行监管提出的新要求;而入世前我国的监管体制、水平、手段、方式都很落后,存在许多重大缺陷,且与国际监管惯例有许多差距甚至相背离,尽管入世后监管当局已经采取了诸多有效措施来解决这些问题,但目前监管中仍存在许多问题和不足,研究这些问题并寻找解决答案,对于发挥外资银行的积极作用,维护金融系统稳定性具有重要的理论和实践意义。本文首先阐述外资银行监管的理论基础、特殊缘由以及银行监管的四种基本类型。对跨国银行监管的理论依据主要包括金融市场失灵论(包括信息不充分、外部性等)和金融脆弱性理论,如明斯基的“金融不稳定性假说”、戴蒙德和戴维格的银行挤提模型、斯蒂格利茨等人的信息不对称说等。另外,对跨国银行进行监管有其自身的特殊原因,跨国银行的国际化经营使其面临了更为复杂的风险,从而增大了国际金融体系的风险。接着阐述中国政府对金融业开放的四项承诺,从而分析入世后外资银行在中国的进展情况及给金融系统稳定性带来的影响,并论述了巴塞尔协议体系的四个主要原则,以理解国际监管惯例对外资银行监管所提出的要求。最后着重探讨外资银行监管中所存在的问题:中国监管当局已着手解决的问题及其措施;目前还存在的其它问题,并给出了完善对策。更多还原

【Abstract】 This text mainly studies main problems that still existent at present and solutions to them in supervision of foreign banks along with China’s entry into the WTO.China joined WTO at the end of 2001, the authority of supervision experiences unprecedented difficulties and problems: (1) The market of banks will open in an all-round way after 2006, the foreign banks will obtain national treatment and develop with higher speed , competition among banks aggravates , increasing of systemic risks may make financial system of China unstable; (2) Basel Accord is accepted extensively in the world, the authority need supervises foreign banks according to Basel Accord. And the ability of supervision is poor, a lot of great defects exist, even a lot of disparity or deviation to Basel Accord, the authority has taken many effective measures already, but study of the problems existent at present and looking for the answer is still necessary for maintaining financial system stability and the foreign banks’playing the positive role in the economic development of China.At first, this text explains theoretical foundation, special causes of supervision of the foreign banks and four kinds of basic types of regulation and supervision of the foreign banks. As to theoretical foundation for supervision of multinational banks, there are two main theories. The one is the theory of finance market failure, which is generated by negative externality and asymmetric information, etc. The other one is the Financial Fragility theory, such as Financial Instability Hypothesis by Hyman Minshy, Bank Run Model by Diamond-Dybvig.Furthermore, the realistic background for the supervision of multinational banks is its internationalized operations accompanied by more sophisticated risks.Second, this text explains four commitments of Chinese Government to WTO in financial market, thus analyzes the development of foreign banks after China’s entrance into the WTO and its influences to financial system stability of China, and describes four main principles of Basel Accord, for understanding the requirements of Basel Accord to the authorities in supervision of the foreign banks.Third, the paper discusses and analyzes problems exist at present: problems which the authority have taken measures to tackle on; other problems even exist at present.At last, the paper gives some solutions to the problems above.更多还原