浅谈改善我国金融监管.pdfVIP

要 本文从加入WTO 后我国银行业面临的外资银行的挑战和冲击入手，阐述了加 强我国银行业监管的必要性及对策。通过运用经济学的帕累托均衡、刹偿理论和 机会成本全面分析了我国银行监管的现状及存在的问题，并提出了相应的改善措 施。本文认为，金融创新的层出不穷、外资银行混业经营的优势、银行风险的全 面升级、维护金融体系的稳定等诸方面都强调了加强银行业监管的重要性.文中主 要从监管法规、监管效率、信息披露、银行内控、外资银行监管等方面存在的问 题入手，并从中央银行，监管独立性、监管理念和商业银行的自我约束观念等方 面深入分析监管问题存在的体制原因.针对其不足，提出以下对策: 1、调整完善金融法律法规体系，与国际标准接轨; 2 、提高监管有效性，适应国际金融业监管模式; 3、建立信息披露制度，引入市场约束; 4 、建立健全有效内部控制体系，增强商业银行抵御风险的能力; 5、强化外资银行监管法制建设，完善监管体系，加强外资银行监管的国际合 作。 6、加快监管理念创新步伐，建立起支持金融创新的监管模式; 关键词：改善 金融监管 对策 1 Abstract This article beginning with the challenge and impact of the foreign bank which the banking of our country faces，deals with the necessity of strengthening the banking supervision of our country after accession to the WTO. It analyses all-snidely current situation and problems of banking supervision in our country In use of the theory equilibrium ，compensation and opportunity ，and puts forward the corresponding measures of improvement. The one thinks that ，some aspects ，such as emerging in an endless stream of the fianc innovation; the advantage of the foreign bank mix-management; the upgrading of the overall risk of the bank;，safeguarding financial stability ,underlines the importance of strengthening the bank supervision the article analyses mainly these issues existing in the idea of supervision; the law and regulation of supervision; supervision efficiency; information publish; inchmeal control of banking; foreign bank supervision. And from the independent of central bank and self-discipline of commercial bank aspects, analyses ineptly the system reason why the question exists. According to the above deficiencies, the author proposes following countermeasures: 1.Adjusting and perfecting financial laws and regulations system，i