本論文研究主題為中國銀行業之金融監理,探討中國銀行業的金融監理機制,應如何順應現代金融監理趨勢,符合新巴塞爾資本協定,並遵循國際金融監理機關對於風險管理之規範。在蒐集與本研究主題相關之書籍著作、期刊論文、研究報告、主要監理機關法令規章,以及網際網路之電子資訊等資料後發現,不僅中國金融體制與金融監理機制不夠完善建全,金融體系內部仍存在許多問題,潛在的金融風險不容忽略;而面對推陳出新、越益複雜之衍生性金融商品的風險監理已超越傳統金融監理的架構,在傳統的監理模式根本無法因應下,如何對銀行業進行有效的金融監理與控制金融風險是本研究的主要目的。因此,本文針對中國銀行業之金融監理、巴塞爾銀行監理委員會對金融機構管理之指導原則、歐美金融監理體制、現代金融監理趨勢,與近年來美國次貸風暴、二房事件,與雷曼兄弟公司倒閉等金融海嘯事件對銀行金融監理的影響等來加以探討,並提出強化、落實中國銀行業金融監理政策與機制之建議。
The research is probing into the financial supervision on banking of Mainland China. The research attempts to explore the best way to control financial risk effectively, and finds out how to achieve the purpose of financial supervision on banking under the New Basel Capital Accord. With collecting relevant laws, articles, journals, papers, news and so on, we could discover that China’s banking is influenced by the shortage of financial supervision mechanism and is also under the influence of global risk exposure from financial derivatives. We hope that we could provide the best suggestions and solutions regarding well financial supervision for China’s banking to adapt in order to reduce, control, and manage both of the internal and global risk exposure from this research.