我国金融监管的体系存在的问题及完善对策

我国金融监管体系存在的问题及完善对策

摘要

银行作为一国金融体系的核心，它的安全关系到整个金融体系的安全，乃至整个国家经济的安全与稳定。随着中国金融深化程度不断加深，银行混业经营趋势也日益明显，银行风险程度也日益加大，如何建立一个有效的监管模式，充分发挥银行业在金融深化和资源配置中的核心作用，使其支撑中国经济平稳快速地向前发展、有效的控制和防范金融风险、维护金融体系的安全，已经成为理论界关注的焦点。2007年爆发的美国次贷危机迅速演变为全球性金融危机,全球的银行都面临着严峻挑战。我国银行也存在着容易引发危机的种种风险隐患。为了避免累积金融风险,引导银行业健康发展,进一步完善我国银行监管模式和加大银行监管力度势在必行。

针对这种情况，本文以经济全球化和中国金融深化为背景，以银行监管模式为研究对象，通过对中国银行业监管现状及其存在问题的分析，最后得出中国银行业监管模式的选择路径和形式。

关键词：金融监管体系；银行监管；完善

Banking supervision mode after the crisis era

development research

Abstract

Banks, as the core of a country's financial system, the safety of his relationship to the security of the entire financial system, and even the entire national economic security and stability. With the deepening of China's financial deepening, banks Mixed trend is increasingly evident, the banks are also increasingly greater degree of risk, how to establish an effective regulatory model, give full play to the banking industry in financial deepening and the central role of the allocation of resources, so that Its support of China's economy forward stable and rapid development of effective control and prevention of financial risks and maintain the security of the financial system has become the focus of attention theory. 2007 outbreak of the U.S. subprime mortgage crisis quickly evolved into a global financial crisis, the world's banks are facing serious challenges. China's banking crisis, there are also apt to cause all sorts of potential risks. To avoid the accumulation of financial risks, and guide the healthy development of the banking sector, further improve our supervision of banks and increase bank supervision is imperative.

For this situation, the economic globalization and China's financial deepening as the background and supervision of banks.As the research object, through the China Banking Regulatory Status and Problems of the analysis, and finally come to post-crisis era of China's banking regulator mode select the path and form.

Key words: Financial supervision system; supervision; perfect

第1章绪论

1.1研究的背景和意义

2007年源于美国因不良贷款的次贷危机迅速演变为全球性金融危机,全球的银行都面临着严峻挑战。其对世界经济的不良影响相对于过去东南亚的"金融风暴"而言有过之而无不及。加强政府对经济的干预尤其是对银行业的监管，防范金融风险和保障国家经济安全已经是一个各国必须正视的课题。银行作为一国金融体系的核心，他的安全关系到整个金融体系的安全，乃至整个国家经济的安全与稳定。随着中国金融深化程度不断加深，银行混业经营趋势也日益明显，银行风险程度也日益加大，如何建立一个有效的监管模式，充分发挥银行业在金融深化和资源配置中的核心作用，使其支撑中国经济平稳快速地向前发展、有效的控制和防范金融风险、维护金融体系的安全，已经成为理论界关注的焦点。我国银行也存在着容易引发危机的种种风险隐患。为了避免累积金融风险,引导银行业健康发展,进一步完善我国银行监管模式和加大银行监管力度势在必行。

1.2研究内容

本文第一部分首先从银行监管模式理论入手，介绍国内外银行监管模式相关的理论；本文第二部分介绍了中国银行业目前监管现状，阐述了中国银行业监管所存在的问题；本文的第三部分介绍了美国次贷危机对我国银行业监管的启示，提出了后危机时代银行业监管模式的未来选择。