我国金融监管的体系存在的问题及完善对策.pdf

我国金融监管体系存在的问题及完善对策 摘 要 银行作为一国金融体系的核心，它的安全关系到整个金融体系的安全，乃至 整个国家经济的安全与稳定。随着中国金融深化程度不断加深，银行混业经营趋 势也日益明显，银行风险程度也日益加大，如何建立一个有效的监管模式，充分 发挥银行业在金融深化和资源配置中的核心作用，使其支撑中国经济平稳快速地 向前发展、有效的控制和防范金融风险、维护金融体系的安全，已经成为理论界 关注的焦点 2007年爆发的美国次贷危机迅速演变为全球性金融危机,全球的银 行都面临着严峻挑战。我国银行也存在着容易引发危机的种种风险隐患。为了避 免累积金融风险,引导银行业健康发展,进一步完善我国银行监管模式和加大银 行监管力度势在必行 针对这种情况，本文以经济全球化和中国金融深化为背景，以银行监管模式 为研究对象，通过对中国银行业监管现状及其存在问题的分析，最后得出中国银 行业监管模式的选择路径和形式 关键词：金融监管体系；银行监管；完善 Banking supervision mode after the crisis era development research Abstract Banks, as the core of a country's financial system, the safety of his relationship to the security of the entire financial system, and even the entire national economic security and stability. With the deepening of China's financial deepening, banks Mixed trend is increasingly evident, the banks are also increasingly greater degree of risk, how to establish an effective regulatory model, give full play to the banking industry in financial deepening and the central role of the allocation of resources, so that Its support of China's economy forward stable and rapid development of effective control and prevention of financial risks and maintain the security of the financial system has become the focus of attention theory. 2007 outbreak of the U.S. subprime mortgage crisis quickly evolved into a global financial crisis, the world's banks are facing serious challenges. China's banking crisis, there are also apt to cause all sorts of potential risks. To avoid the accumulation of financial risks, and guide the healthy development of the banking sector, further improve our supervision of banks and increase bank supervision is imperative. For this situation, the economic globalization