我国银行业有效监管的分析

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1、监管标准，对所有银行实行国民待遇原刚。(3)规范商韭键行购并、重组活动。第五节着重分析了在信息化社会上对网上银行的监管。伴随着银行网上业务的开展，使得银行业务的对象难以确定，监管制度开始变得难以适应，金融交易的虚拟他，使{!譬镊行业务失去-¨对潮穗楚域的限制，交易对象变得难以明确，交易过程也更加不透明，银行对客户静不了解导致对贷款靛蓝测也变得更翔困难；疆行潮土曼务的开展，使银行资本流动速度变得更快，同时也可能使金融危机的爆发更具有突然缝，也更容易跨地区传染，风险集中速度更快，风险形式变换的更加频繁；现行金融监管体

2、系中的现场监管，在网络银行露前变得无能为力。丽上银行业务的无纸化，对非现场检查也提出挑战。本节试图就上述的问题掇瞧有效的应对接旌。关键溺嵌行有效篮管AbstractThistext1Sdividedintofivechapters：FirstsectionofchapteroneintroducethesourceofsupervisetheorvIincludingpublicinteresttheory,chasingtheory,rentingtheory,economysupervisiontheorya

3、ndmakeasummary．Publicinteresttheoryputforwardthatsupervisionisonemeasurelowerordispelmarketfailure．Thetheoryassumesthreekindsofsituationsthatthemarketdoesno￡work：naturalmonopoly,externaleffectandasymmetricinformation．Chasingtheorythinkthatsupervisionisapplied

4、tomeetdemandofindustrydepa；tment，legislatorsaredredgedandutilizedbyindustrvdepartment，thesupervisiondePartmenthasbeenControlledbyindustrydepartmentallthetime，Supervisionisfavorabletotheperson’supervisedfinally,and￡囊etheoryimplythatsupervisioncanimprovecompete

5、ncebetweenpersonsupervisedandpersonwhosupervise．Rentingtheorythinkrentingphenomenonalsoexitinfinancialsupervision，itwitlinfluenceefficiencyandjusticesupervised．Economysupervisiontheorythinkcontrolstemsfromtheinter-dynamicbetweenthedemandofinterestgroupandthes

6、upplyofgovernmentfromtheanglethatthedemocraticgovernmentmustobtainindustrysupport，andsupervisionISalsoaphenomenonofwealthtransformationamongdifferentinterestgroups，Sectiontwotellsemphaticallyhowsupervisiontheoryisappliedinpractice。’Chaptertwoexpoundedtherulea

7、ndpracticeofinternationaleffectivebanksupervision．SectionODeintroducethebackgronndof“Baselagreement”produceandreferencemeaning，innarrowse辍se．Baselagreementisajointlysupervisewayinworld；certainly,itisalsoakindofagreementtypesupervision．Butthemostimportantformw

8、hichtheinternationalcommercialbankjointlysuperviseshasverystrongrestriction．Ithasshownthenewesttrendofinternationalbanklsupervisiondevelopment：(1)Fullyconsiderandformulatethecategorizedsn