适用经济管理类的学生毕业论文.docVIP

加强银行监管降低银行风险 PAGE 1 - 加强银行监管降低银行风险 摘要 银行是专门办理资金融通的金融机构，银行业务的本质决定了它需要承担各种类型的风险，银行的风险对于社会稳定的影响比其他产业部门高得多，而银行很难做到怎么控制的，银行不能去完成这个应该由政府主导的工作，针对这种情况，我国为协调金融工作成立了银行监督管理委员会。银监会的主要职责是制定有关银行业金融机构监管的规章制度和办法，起草有关的法律和行政法规，提出制定和修改这些法律法规的建议；审批银行业的金融机构和它的分支机构设立、变更、终止和业务的范围；对银行业的金融机构实行现场的和非现场的监管；依法对违法违规的行为进行查处；审查银行业金融机构高级管理人员的任职资格；负责统一编制全国银行的数据、报表，并且按照国家的有关规定对外公布；会同有关部门存款类金融机构紧急风险处置的意见和建议；负责国有重点银行业金融机构监事会的日常管理工作；承办国务院交办的其他事项。我国仍处在社会主义初级阶段，经济转型尚需经历一个相当长的时期，金融市场还有待于不断发展完善，监管机构在对银行经营管理活动进行合规性监管的基础上，监管工作的重心放在了促进银行建立较为完善的风险管理体系，加强内部控制，降低和及时合理处置银行所面临的各类风险方面。我国银行监管的实践也历经了从合规性监管向风险监管的转变。目前，银行监管工作要坚持风险监管、法人监管的原则，在合规性监管的基础上，积极防范和化解银行风险。? 关键词 风险 影响 监管 Strengthens bank supervising and managing to reduce the bank risk Abstract The bank was specially handles the financial organ which the capital finance passed, the bank service essence had decided it needed to undertake each kind of type risk, the bank risk is much higher than regarding the social stability influence other industrial departments, how but was the bank very difficult to achieve controls, the bank could not go completes this to be supposed the work which led by the government, in view of this kind of situation, our country has established the bank inspector general management committee for the coordinated finance work. The silver supervises the meeting the primary interest is the formulation related banking industry financial organ supervising and managing rules and regulations and the means, drafts the related law and the administrative rules and regulations, proposed formulates and revises these legal laws and regulations the suggestion; The examination and approval banking industry’s financial organ and its branch office set up, the change, the termination and the service scope; Implements the scene and non- scene supervising and managing to banking industry’s financial organ; Legally carries on the investigation to the illegal contrary behavior; The examination banking industry financial organ high-level administrativ