我國商業(yè)銀行金融監(jiān)管有效性研究

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摘 要
隨著我國加入WTO和外資銀行的不斷進入，國內(nèi)的資金流、客戶流和信息流將發(fā)生跨國界的流動，這意味著我國的金融市場將成為一個面向全球的開放市場。因此面對“入世”后各方面的挑戰(zhàn)，國內(nèi)商業(yè)銀行將加快調(diào)整發(fā)展戰(zhàn)略的步伐。國有商業(yè)銀行面臨著更進一步的改革深化，挑戰(zhàn)與機遇并存。
本文基于目前我國商業(yè)銀行金融監(jiān)管部門都存在的很多不同問題，通過分析這些問題，并結(jié)合發(fā)達國家的經(jīng)驗教訓(xùn)，來解決我國的商業(yè)銀行金融監(jiān)管的問題，提出關(guān)于提高我國商業(yè)銀行金融監(jiān)管的有效性的方法。
首先，簡述有關(guān)商業(yè)銀行和金融監(jiān)管的基本涵義，闡述商業(yè)銀行金融監(jiān)管的必要性及其理論依據(jù)。
其次，闡述我國商業(yè)銀行的現(xiàn)狀及問題所在，分析導(dǎo)致我國商業(yè)銀行金融監(jiān)管失效的原因。對發(fā)達國家商業(yè)銀行金融監(jiān)管實例進行分析，總結(jié)發(fā)達國家商業(yè)銀行金融監(jiān)管的經(jīng)驗教訓(xùn)。
最后，從國際和國內(nèi)方面，對如何提高我國商業(yè)銀行金融監(jiān)管的有效性提出對策和建議。

關(guān)鍵詞：監(jiān)管理論，金融監(jiān)管，金融創(chuàng)新

Abstract
With China's accession into the WTO and the continuous foreign banks, domestic cash flow, customer flow and information flow of cross-border flows will occur, which means that China's financial market will become a global open market. So the challenge all aspects of the" WTO", the domestic commercial banks will accelerate the adjustment of the pace of development strategies. State-owned commercial banks face a further deepening of reform, challenges and opportunities.
This paper based on many different issues what China's commercial banking and financial regulators are present now. Through the analysis of these issues and combined with the lessons of developed countries to solve the problem of China's commercial banks financial regulation , then made ​​effective on the improvement of China's commercial banking and financial supervision of methods.
Firstly, elaborating the basic meaning of the relevant brief commercial banks and financial regulation, and the need for elaborate theoretical basis of commercial banks and financial regulation.
Secondly, the paper expounds present situation and problems of China's commercial Banks, analyses the cause of our country commercial bank financial regulation failure. Then analyze the commercial Banks in developed countries financial regulatory instance, summing up the experience of the developed country commercial bank financial regulation.
Finally, put forward countermeasures and suggestions on how to improve the effectiveness of our commercial banking and financial regulation from the international and domestic front.
Keywords： regulation theory, financial regulation, financial innovation

目 錄
引 言 ······························································1
第1章 商業(yè)銀行金融監(jiān)管理論綜述······································2
1.1 商業(yè)銀行的概念及分類··········································2
1.2 金融監(jiān)管的概念及主要監(jiān)管內(nèi)容··································2
1.3 商業(yè)銀行金融監(jiān)管的理論依據(jù)····································3
1.4 商業(yè)銀行金融監(jiān)管的必要性······································5
第2章 我國商業(yè)銀行的金融監(jiān)管········································6
2.1 我國商業(yè)銀行現(xiàn)狀及問題分析····································6
2.2 我國商業(yè)銀行金融監(jiān)管失效原因分析······························7
第3章 發(fā)達國家商業(yè)銀行金融監(jiān)管的實踐與啟示·························10
3.1 美國商業(yè)銀行的金融監(jiān)管·······································10
3.2 英國商業(yè)銀行的金融監(jiān)管·······································11
3.3 日本商業(yè)銀行的金融監(jiān)管·······································12
3.4 發(fā)達國家商業(yè)銀行金融監(jiān)管的啟示·······························13
第4章 提高我國商業(yè)銀行的金融監(jiān)管有效性的對策和建議·················14
4.1 加強國際監(jiān)管合作·············································14
4.2 構(gòu)建中國特色的金融監(jiān)管體系···································14
4.3 提高金融監(jiān)管有效性的具體措施·································16
參考文獻····························································18