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1、學(xué)校編碼:10384學(xué)號:200209008庶穗纛蓄、。1032121分類號——密級——UDC..............——博士學(xué)位論文我國城市商業(yè)銀行資本監(jiān)管問題研究AStudyofCapitalRegulationonChina’SCityCommercialBanks陳峰指導(dǎo)教師姓名:專業(yè)名稱:論文提交日期:論文答辯時間:學(xué)位授予日期:莊宗明教授世界經(jīng)濟2006年月2006年月2006年月答辯委員會主席:評閱人:2006年09月我國址市商業(yè)銀行資本監(jiān)管問題研究析城市商業(yè)銀行資本現(xiàn)狀以及資本水平?jīng)Q定因素,進而對城商行資本監(jiān)管存在的主要問題進行
2、深入分析,指出我國城市商業(yè)銀行資本監(jiān)管面臨的主要悖論。第五章,激勵相容監(jiān)管——我國城市商業(yè)銀行資本監(jiān)管機制探索。本章主要對建立我國城市商業(yè)銀行激勵相容監(jiān)管資本監(jiān)管模式進行初步探討。第六章,我國城市商業(yè)銀行資本監(jiān)管措施的改進。本章主要從立即糾偏措施、信息披露制度、退出政策這三個方面來分析我國城市商業(yè)銀行資本監(jiān)管的具體改進措施。第七章,結(jié)束語。對全文進行總結(jié),分析本文不足,并展望未來城市商業(yè)銀行資本監(jiān)管領(lǐng)域的研究方向。關(guān)鍵詞:城市商業(yè)銀行;資本監(jiān)管;巴塞爾協(xié)議;激勵相容AbstractSincethe1980s,thebankingindustries
3、ofdevelopedcountrieshaveexperiencedaremarkableevolutiononcapitaladequacyregulation.TheBaselCapitalAccords,especiallyBaselII,areconsideredthemostinfluentialregulationsinmodembankingsupervision.DuringtheevolutionaryprocessoftheBaselCapitalAccords,Chinahasbeenundergoingaseriesoff
4、inancialreforms.China’sbankingindustryisbecomingmoreandmoremarket—oriented,andhasbeentryingtomeetinternationalstandards.ThisevolutionofBaselAccordsuggestsashiftofChina’ssupervisorypracticefromadministrativeregulationtocomprehensiverisksupervisionbasedoncapitaladequacyrequireme
5、nt.BasedonBaselI,ChinaBankingRegulatoryCommissionenforcedthenewcapitaladequacyrequirementforourbankingsector,whichrequiresallbanksmeetthe8%standardbytheendof2006.Asthedeadlineofmeetingtherequirementofminimumcapitaladequacyby2006isapproaching,citycommercialbanksinChinaareconfro
6、ntedwithtremendouspressureforsurvival.Thecitycommercialbanksareestablishedontheformercreditunions.MostofcitycommercialbankswillbeunabletofulfilltherequirementrelyingontheirownabilitywiththehugeNPLs.Currentlythemainapproachtosolvetheproblemistorelyonlocalgovernmenttoprovidemore
7、moneytosaveproblembank.Theapproachdoesnothelpimprovecorporategovernanceofproblembank.Instead,itaggravatestheadministrativeinterference,whichcontradictswiththeoriginalintentionoftheChina’sbankingreform.Capitaladequacysupervisiononcitycommercialbanksfacesadilemma.Thisarticleinte
8、ndstoanalyzethesituationofChinacitycommercialbankscapitaladqu