我国银行监管的问题分析及对策研究

The Problem Analysis and Countermeasure Research of Bank Supervision

我国银行业监管发展的历史较短,再者监管问题与政治、经济和金融体制紧密相关,这使得建立起一个健全、高效、规范化的银行监管体系具有一定的复杂性和艰巨性。由于建立完善监管体制,提高监管效率,能够最大程度地保护广大存款人利益,维护银行业稳定,因此,其将成为监管部门面临的一个紧迫而又关键的课题。在此背景下,本文对我国银行监管的现状及存在的问题进行分析,为完善我国银行监管体系提出了建议。

Setting up a healthy, efficient, and standard banking inspection system is complex and difficult because the history of banking inspection is short in China. Additional, many problems that happen in inspection are related to politics, economy and finance system. However, since it can not only benefit depositors, but also stabilize banking, how to improve the banking inspection system is an important problem. In this paper, the status and existing problems in banking supervision were pointed and the causes were analyzed. Meanwhile, some suggestions were given for improving China＇ s banking inspection system.