對我國銀行監(jiān)管的法律思考

金融論文編號：JR115     字?jǐn)?shù):15306,頁數(shù):20

目  錄
中文摘要 I
Abstract II
一、對銀行進(jìn)行監(jiān)管的必要性分析 2
（一）有助于防范金融危機的發(fā)生 2
（二）有助于提高我國銀行業(yè)的安全防范能力 3
（三）有助于保護(hù)消費者的合法權(quán)益 3
二、我國銀行監(jiān)管存在的問題分析 3
（一）監(jiān)管備套的法律有待進(jìn)一步完善 4
（二）政治體制約束導(dǎo)致監(jiān)管機構(gòu)對銀行的監(jiān)管低效 6
（三）監(jiān)管機構(gòu)缺乏完善的風(fēng)險預(yù)警系統(tǒng)及應(yīng)對機制 7
（四）監(jiān)管機構(gòu)缺乏有效的監(jiān)管手段和專業(yè)的監(jiān)管人才 7
三、國外銀行監(jiān)管法律問題的解析及對我國的啟示 8
（一）國外銀行監(jiān)管法律問題的解析 8
（二）國外銀行監(jiān)管法律問題對我國的啟示 9
四、對我國銀行監(jiān)管制度進(jìn)行完善的具體措施 10
（一）監(jiān)管機構(gòu)應(yīng)在立法中樹立監(jiān)管系統(tǒng)化及效率化宗旨 10
（二）監(jiān)管機構(gòu)應(yīng)建立獨立的內(nèi)部控制機制 12
（三）監(jiān)管機構(gòu)應(yīng)結(jié)合國情建立配套風(fēng)險系統(tǒng)及應(yīng)對機制 13
（四）采用先進(jìn)監(jiān)管手段并引進(jìn)高素質(zhì)監(jiān)管人才 13
參考文獻(xiàn) 15
致謝 17

中文摘要

    作為現(xiàn)代經(jīng)濟(jì)的核心，銀行業(yè)的安全和穩(wěn)健是一國經(jīng)濟(jì)穩(wěn)定和發(fā)展的重要保障，銀行監(jiān)管對于實現(xiàn)金融體系的安全與穩(wěn)定，保護(hù)存款人的合法權(quán)益以及促進(jìn)銀行公平有效地競爭，提高銀行業(yè)效率，維持經(jīng)濟(jì)的可持續(xù)穩(wěn)定地增長有著重要作用。
 本文研究的是從法律角度分析在金融全球化的背景下，我國銀行業(yè)監(jiān)管機構(gòu)面對金融開放及金融危機的大潮中監(jiān)管對銀行的影響及作用，從而應(yīng)如何完善銀行監(jiān)管，將經(jīng)濟(jì)全球化中出現(xiàn)的問題帶給中國銀行業(yè)的沖擊盡可能降到最低，并借助這個契機大力提升我國本土銀行業(yè)的國際競爭力。文章首先對我國銀行監(jiān)管的必要性進(jìn)行分析，從而深刻剖析目前我國銀行業(yè)監(jiān)督管理法律制度上存在的主要缺陷和不足；然后通過對比借鑒發(fā)達(dá)國家在銀行業(yè)監(jiān)管方面的先進(jìn)經(jīng)驗并充分考慮我國目前的具體情況，提出對我國銀行業(yè)監(jiān)管法律體系進(jìn)行完善和創(chuàng)新的基本措施，并在對我國銀行業(yè)外部監(jiān)管法律制度的完善、構(gòu)建我國銀行業(yè)及其同業(yè)自律法律制度、完善銀業(yè)監(jiān)管機構(gòu)管理機制等方面提出具體建議和構(gòu)想。
 隨著國際經(jīng)濟(jì)的繁榮發(fā)展，近幾年的金融危機瀕繁地出現(xiàn)，各國著重從作為金融核心的銀行業(yè)進(jìn)行金融危機地防范，開始加重地對銀行業(yè)的監(jiān)管規(guī)制。要跟上國際化的發(fā)展，有必要結(jié)合我國的國情，對銀行監(jiān)管進(jìn)行法律研究，加快完善我國銀行監(jiān)管的法律法規(guī)建設(shè)，使之能與國際的監(jiān)管標(biāo)準(zhǔn)相協(xié)調(diào)。
 
 關(guān)鍵字：銀行監(jiān)管；監(jiān)管問題；監(jiān)管制度
 

Abstract
 
 As the modern economy's core, banking industry's security and steady is a country economy stability and advancement important safeguard, the banking supervision regarding realizes financial system's security and stable, protects depositor's legitimate rights and interests as well as promotes the bank to compete effectively fairly, raises the banking industry efficiency, the maintenance economy grows stably sustainably has the influential role.
 What this article studies is from the legal angle analysis under the financial globalization background, Our　country Banking industry supervision organization supervises facing the financial opening and in financial crisis's flood tide to the bank the influence and the function, thus how should the perfect banking supervision, appear the economic globalization in the question takes to China Banking industry's impact on fall as far as possible to lowly, and draws support from this turning point to promote our country Native place Banking industry's international competitiveness vigorously.The article first carries on the analysis to Our country banking supervision's necessity, thus analyzes the main flaw which and the insufficiency profoundly in the present Our country Banking industry management by supervision legal regime exists; Then profits from the developed country through the contrast in the banking industry supervision aspect advanced experience and considered fully our country present special details, proposed carries on the consummation and the innovation basic measure to Our country Banking industry supervision legal framework, and to Our country Banking industry exterior supervision legal regime's consummation, constructs Our country Banking industry and the same business autonomy legal regime, aspects and so on perfect silver industry supervision organization management mechanism proposes the concrete proposal and the conception. 
 Along with international economy's prosperous development, the financial crisis in recent years is close to numerous appears, various countries from carry on the financial crisis guard emphatically as the financial core's banking ndustry, starts to aggravate to banking industry's supervision rules and regulations. Must follow the internationalization the development, it is necessary to unify our country's national condition, conducts the legal research to the banking supervision, speeds up consummates Our country banking supervision the laws and regulations construction, enables it to be coordinated with the international supervision standard.
 Key words: Banking supervision; Supervision question; Supervisory system