我国的国家审慎监管分析.docVIP

我国国家审慎监管的分析 目录 一、导论`````````````````````````````````````````````````````````````````` 二、我国审慎监管理念的起源和背景`````````````````````````` 1.起源````````````````````````````````````````````````````````````````````````````````````````````````````````````` 2.背景````````````````````````````````````````````````````````````````````````````````````````````````````````````` 三、宏观审慎监管中的核心``````````````````````````````````````` 1.中央银行制定货币政策职能``````````````````````````````````````````````````````````````````````````` 2.中央银行维护金融稳定职能``````````````````````````````````````````````````````````````````````````` 3.中央银行最后贷款人职能`````````````````````````````````````````````````````````````````````````````` 4.中央银行的相对独立性````````````````````````````````````````````````````````````````````````````````` 四、国家审计参与宏观审慎监管的必要性分析```````````` 1.我国的经济与金融环境所决定```````````````````````````````````````````````````````````````````````2.我国推进全面深化改革的要求所决定```````````````````````````````````````````````````````````` 3.国家审计的基本特点所决定```````````````````````````````````````````````````````````````````````````五、国家审计如何参与宏观审慎监管`````````````````````````` 1.建立宏观审慎监管实体机构，加强各监管部门之间的协调?` 2.完善审慎监管法律法规? 3.建立和完善系统性金融风险预警机制 六、开发有效的宏观审慎监管工具1.资本监管标准 2.实施逆周期的调节 3.监管流动性风险4.设立杠杆率监管标准 5.加强国际间合作? 七、结论``````````````````````````````````````````````````````````````````` 我国国家审慎监管分析 导论 国家的宏观调控和微观调控想必大家都不陌生，作为经济学专业的我们最早在初中和高中就学过了，现在也是我们专业课的一部分，这是国家通过各种手段对经济进行的调节和控制，但是这仅仅是对经济的调控，银行也是金融机构，它的发展和稳定离不开有效的监管，那我们就要问，国家到底是如何加强对银行等金融机构的调节和控制呢？下面我们就分析一下，金融机构的和谐与稳定。 二、我国审慎监管理念的起源和背景 （一）起源 　自2008年国际金融危机后，宏观审慎监管理念受到空前重视。从上世纪90年代，我国就开始寻求对金融的有效监管，一方面，金融危机频发，另一方面，金融业发展迅速，为此，我国采取国家审慎监管对金融业进行管理，审慎监管理念源于巴塞尔委员会1997年的《银行业有效监管核心原则》在该文件中，审慎监管原则被作为其中一项最重要的核心原则确立下来。我国《银行业监督管理法》、《商业银行法》等有关金融法律法规借鉴国际银行业监管惯例和《银行业有效监管核心原则》的基本精神，确立了银行业审慎监管的理念和原则，并将其作为银行业监管的最重要的制度予以贯彻落实。 （二）背景 一、金融自由化的浪潮把各国推向了金融改革与开放的时代前沿。 世界贸易组织(WTO)及其达成的一系列关于金融服务贸易的协定更是为外国金融服务者叩开了各成员国或半掩或紧闭的金融大门。但是金融行业所特有的高负债、高风险及公共性等特点使得关于它的谈判成为WTO服务贸易谈判中的争议对象。“审慎例外”构成在这一特殊领域谈判的妥协成果,根据该条款,成员国可根据审慎之目的合法地背离其所做出的入世承诺而采取措施保护本国金融体系。