我国商业银行监管成本问题研究.docx

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 精心整理 仅供参考 勿用作商业用途 摘　要 商业银行的稳健运行对经济与社会的发展具有重要的作用，只有降低商业银行各方面的成本才能更好地盈利。监管成本是商业银行各成本的重要组成部分，监管成本的降低不仅有助于增强商业银行盈利能力，还有助于防范商业银行经营风险和优化商业银行的资源配置。所以,商业银行要不断加强自身的经营与管理,在保证利润的前提下,加大监管成本的力度,使成本价值最大化,从而提升自身的竞争力。 本文主要从我国商业银行监管成本的概况出发,介绍了监管成本的定义以及构成表现，通过国内外对商业银行监管成本研究现状的对比，发现了我国商业银行监管成本过高的问题,然后对我国商业银行监管成本过高的原因进行深度的剖析。最后从监管主体、监管客体以及监管内容等各方面提出解决我过商业银行监管成本过高问题的改善措施及对策，以期能够降低我国商业银行的监管成本，为我国商业银行以后的发展提供参考。 关键词：商业银行　监管成本　直接成本　间接成本 精心整理 仅供参考 勿用作商业用途 Abstract The steady operation of commercial Banks plays an important role in the development of economy and society. The cost of supervision is an important part of the cost of commercial Banks. The reduction of regulatory costs is not only conducive to enhancing the profitability of commercial Banks, but also to preventing the operational risks of commercial Banks and optimizing the resource allocation of commercial Banks. Therefore, commercial Banks should constantly strengthen their operation and management, increase the supervision cost and maximize the cost value on the premise of ensuring profits, so as to improve their competitiveness. Starting from the general situation of the supervision cost of commercial banks in our country, this paper introduces the definition and composition of the supervision cost, and compares the present situation of the research on the supervision cost of commercial banks at home and abroad. This paper finds out the problem that the supervision cost of commercial banks in our country is too high, and then makes an in-depth analysis of the reasons why the supervision costs of commercial banks in our country are too high. Finally, from the main body of supervision, The object of supervision and the content of supervision put forward the improvement measures and countermeasures to solve the problem of too high supervision cost of commercial banks. In order to reduce the supervision cost of commercial banks in China, and provide reference for the future development o