72頁
銀行業(yè)作為我國國民經(jīng)濟的主要行業(yè)，正面臨股份制改革和外資銀行本
地化的競爭，各種外資、合資銀行紛紛進入中國市場，它們先進的經(jīng)營管理
理念將給國內(nèi)銀行業(yè)帶來前所未有的沖擊。我國銀行業(yè)所固有的先天缺陷將
全面暴露無遺，因此，正確的處理好銀行監(jiān)管和風(fēng)險防范的關(guān)系是當(dāng)務(wù)之急，
也是銀行業(yè)在未來發(fā)展競爭中立于不敗之地的關(guān)鍵。我國銀行業(yè)目前在現(xiàn)代
管理制度上還存在諸多問題。如何學(xué)習(xí)和借鑒發(fā)達國家先進管理理論和實踐
經(jīng)驗，結(jié)合自身的特點形成一套科學(xué)有效的監(jiān)管和風(fēng)險防范體系，是銀行業(yè)
保持活力和持續(xù)發(fā)展的前提。
完善我國商業(yè)銀行的監(jiān)管和風(fēng)險防范體系是發(fā)展我國銀行業(yè)的關(guān)鍵，所
以本文運用理論和實證分析相結(jié)合的方法，結(jié)合銀行業(yè)的行業(yè)特點和我國銀
行業(yè)本身的實際情況，運用金融管理的金融脆弱性理論和金融市場失靈理論，
提出建立全面風(fēng)險防范機制的可行性方案及其應(yīng)該采取的措施。
本文首先闡述了選題的背景和研究的重要意義，及其相關(guān)金融管理的理
論，論述了監(jiān)管和風(fēng)險防范的相互關(guān)系;其次全面分析了銀行業(yè)的監(jiān)管模式
和風(fēng)險防范的方式方法，特別是介紹了發(fā)達國家在這方面的管理經(jīng)驗，與我
國銀行業(yè)的不足加以充分的比較，進而提出了完善我國商業(yè)銀行監(jiān)管和風(fēng)險
防范的可行性模型;最后一部分從盡快提高我國銀行業(yè)風(fēng)險防范意識的角度，
提出了針對監(jiān)管和風(fēng)險防范所應(yīng)采取的對策。
文章的重點是完善我國銀行業(yè)的監(jiān)管與風(fēng)險防范體系，提出加強風(fēng)險防
范意識是提高監(jiān)管水平的前提條件，總結(jié)了提高風(fēng)險防范意識的實施方法和
有效步驟。針對我國銀行業(yè)的體制上的弊端，提出盡快建立具有國際化管理
理念和管理體制的重要性，從而全面提高我國銀行業(yè)的國際競爭力。
關(guān)鍵詞:銀行監(jiān)管;風(fēng)險防范;金融脆弱性;金融市場失靈
第1章緒論························································
1.1論文寫作的背景和意義······························
1.1.1論文寫作的背景···································
1.1.2論文寫作的意義···································
1.2國內(nèi)外研究現(xiàn)狀··········································
1.2.1國外研究現(xiàn)狀·······································
1.2.2國內(nèi)研究現(xiàn)狀·······································
1.3論文的寫作思路和主要內(nèi)容······················
1.3.1論文的寫作思路和研究方法···············
1.3.2論文的主要內(nèi)容···································
1.4論文的創(chuàng)新之處·················……，’’················
第2章相關(guān)理論綜述·······································
2.1銀行監(jiān)管與風(fēng)險的概念······························
2.1.1銀行監(jiān)管的概念···································
2.1.2風(fēng)險的概念··-·········································
2.2金融脆弱性理論·······················，··················
2.2.1金融體系內(nèi)在不穩(wěn)定假說···················
2.2.2金融機構(gòu)內(nèi)在脆弱性理論···················
2.2.3金融自由化深化金融脆弱性···············
2.3金融市場失靈理論····································…
2.3.1市場失靈···············································
2.3.2銀行危機的外部性·······························
2.3.3法律的不完備性···································
2.3.4金融約束···············································
2.4本章小結(jié)······················································
第3章主要發(fā)達國家銀行監(jiān)管和風(fēng)險防范體
3.1主要發(fā)達國家銀行監(jiān)管和風(fēng)險防范體系比
3.1.1美國的銀行監(jiān)管與風(fēng)險防范體系·······
3.1.2英國的銀行監(jiān)管與風(fēng)險防范體系·······
3.1.3日本的銀行監(jiān)管與風(fēng)險防范體系·······
3.1.4我國銀行監(jiān)管和風(fēng)險防范體系···········
3.2主要發(fā)達國家商業(yè)銀行監(jiān)管和風(fēng)險防范體
3.2.1主要發(fā)達國家商業(yè)銀行監(jiān)管和風(fēng)險防
3.22我國商業(yè)銀行監(jiān)管和風(fēng)險防范體系存
3.3本章小結(jié)······················································
第4章我國商業(yè)銀行監(jiān)管和風(fēng)險防范體系完善
4.1銀行監(jiān)管的目標(biāo)和內(nèi)容及與風(fēng)險防范的關(guān)
4.1.1銀行監(jiān)管的目標(biāo)···································
4.1.2銀行監(jiān)管的內(nèi)容····································
4.1.3商業(yè)銀行風(fēng)險的特征····························
4.1.4銀行監(jiān)管與風(fēng)險防范的關(guān)系················
4.2完善銀行監(jiān)管和風(fēng)險防范體系··················
4.2.1完善商業(yè)銀行有效監(jiān)管的理由···········
4.2.2完善商業(yè)銀行監(jiān)管的法規(guī)體系···········
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