構建混業(yè)經(jīng)營銀行監(jiān)管體系

頁數(shù) 46 字數(shù) 31542

摘要
混業(yè)經(jīng)營銀行是未來銀行發(fā)展的趨勢。隨著我國入世后對外開放的程度越來越大,混業(yè)經(jīng)營銀行的監(jiān)管問題也日益成為銀行業(yè)和政府關注的問題。金融全球化是一個自然的、歷史的過程，盡管它在給全球各國帶來巨大經(jīng)濟利益的同時也會帶來極大的不安定因素，規(guī)范地發(fā)展我國的混業(yè)經(jīng)營銀行，走法制道路，對我國混業(yè)經(jīng)營銀行實行正確的引導，既能約束、規(guī)范銀行，又能幫助銀行增強自身實力。
論文從構建混業(yè)經(jīng)營銀行監(jiān)管體系的角度分析如何完善混業(yè)經(jīng)營銀行的內部控制、外部監(jiān)管。首先分析了銀行經(jīng)營的風險以及國外混業(yè)經(jīng)營銀行對這些風險采取的內部控制方法。然后是對國外混業(yè)經(jīng)營銀行特別是美國和德國混業(yè)經(jīng)營銀行的外部監(jiān)管歸納總結，最后提出對我國混業(yè)經(jīng)營銀行的內部控制、外部監(jiān)管和國際監(jiān)管的建議。我國對混業(yè)經(jīng)營銀行的監(jiān)管不僅要借鑒國外先進的管理經(jīng)營，更要根據(jù)自己的實際情況走出自己的特色,才能使我國的銀行在激烈的競爭中獲勝。

關鍵詞： 銀行,混業(yè)經(jīng)營銀行,混業(yè)

Abstract
Banks in the future will see a development trend in multiple businesses, which is called “The Multi-biz Bank”. As the deepening and broadening of China’s opening to the world after entry into the WTO, the supervision of the multi-biz banks is surfacing to be the focus of our banking and government system. Financial globalization is a natural and historic process. Although it has brought with it huge economic advantages internationally, it has caused big uncertainties, therefore, developing our multi-biz banks in a legal way and conducting them rightly will not only be beneficial to confine and regularize our banking system, but also to improve its capabilities.
This paper analyzes how to perfect multi-biz bank’s interior control, exterior supervision and global supervision from an angle of constructing the multi-biz bank supervision system. First, it analyzes the risks of running a multi-biz bank and some foreign interior control methods. Secondly, it summarize the international multi-biz bank’s exterior supervision methods, especially the methods used in American and German multi-biz banks, and then international supervision organizations’ ways of supervising the multi-biz banks. Last, it comes up with suggestions for the interior control, exterior supervision and international supervision of China’s multi-biz banks. It is through learning from foreign administration experiences and melting into it our own situations that can the supervision of China’s multi-biz banks help make China’s banks win in the pierce global competition.
Keywords: bank; The Multi-biz Bank; multiple businesses

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