構(gòu)建混業(yè)經(jīng)營(yíng)銀行監(jiān)管體系

頁(yè)數(shù) 46 字?jǐn)?shù) 31542

摘要
混業(yè)經(jīng)營(yíng)銀行是未來(lái)銀行發(fā)展的趨勢(shì)。隨著我國(guó)入世后對(duì)外開(kāi)放的程度越來(lái)越大,混業(yè)經(jīng)營(yíng)銀行的監(jiān)管問(wèn)題也日益成為銀行業(yè)和政府關(guān)注的問(wèn)題。金融全球化是一個(gè)自然的、歷史的過(guò)程，盡管它在給全球各國(guó)帶來(lái)巨大經(jīng)濟(jì)利益的同時(shí)也會(huì)帶來(lái)極大的不安定因素，規(guī)范地發(fā)展我國(guó)的混業(yè)經(jīng)營(yíng)銀行，走法制道路，對(duì)我國(guó)混業(yè)經(jīng)營(yíng)銀行實(shí)行正確的引導(dǎo)，既能約束、規(guī)范銀行，又能幫助銀行增強(qiáng)自身實(shí)力。
論文從構(gòu)建混業(yè)經(jīng)營(yíng)銀行監(jiān)管體系的角度分析如何完善混業(yè)經(jīng)營(yíng)銀行的內(nèi)部控制、外部監(jiān)管。首先分析了銀行經(jīng)營(yíng)的風(fēng)險(xiǎn)以及國(guó)外混業(yè)經(jīng)營(yíng)銀行對(duì)這些風(fēng)險(xiǎn)采取的內(nèi)部控制方法。然后是對(duì)國(guó)外混業(yè)經(jīng)營(yíng)銀行特別是美國(guó)和德國(guó)混業(yè)經(jīng)營(yíng)銀行的外部監(jiān)管歸納總結(jié)，最后提出對(duì)我國(guó)混業(yè)經(jīng)營(yíng)銀行的內(nèi)部控制、外部監(jiān)管和國(guó)際監(jiān)管的建議。我國(guó)對(duì)混業(yè)經(jīng)營(yíng)銀行的監(jiān)管不僅要借鑒國(guó)外先進(jìn)的管理經(jīng)營(yíng)，更要根據(jù)自己的實(shí)際情況走出自己的特色,才能使我國(guó)的銀行在激烈的競(jìng)爭(zhēng)中獲勝。

關(guān)鍵詞： 銀行,混業(yè)經(jīng)營(yíng)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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