论文摘要当今,世界各地都处在不同程度的金融开放之中,大笔“热钱”在全球各地迅速流动,各种金融衍生品将全球金融机构盘根错节

论文摘要
当今,世界各地都处在不同程度的金融开放之中,大笔“热钱”在全球各地迅速流动,各种金融衍生品将全球金融机构盘根错节地联系在一起,也正因金融自由化和经济全球化的发展程度相当高,才使得此次由美国引起的金融危机,对全球造成造成史无前例的影响,同时,也波及到我国商业银行资产的安全.金融创新和金融发展都要求银行监管研究不断深入.我国银行监管只有十几年的历史,监管实践说明,银行监管需要科学理论的指导.监管体制改革的总目标是形成监管者与被监管者良胜互动机制,从而有效防范和化解风险,维护银行业的稳健发展.适时对商业银行进行有效的监管有着十分重要的理论意义和现实价值.
本文主要通过对我国商业银行监管相关理论的简述,讨论此次金融危机对我国商业银行的影响,比较外国银行监管,对我国商业银行监管问题进行探讨,对改进商业银行有效监管的途径与举措进行分析,以加快商业银行监管创新,健全其监管内容和方式.

Today,all over the world in varying degrees of financial liberalization,and large sums of "hot money" flows rapidly around the world,all kinds of financial derivatives in global financial institutions will be linked to deep-rooted,but also because of financial liberalization and economic the degree of globalization is very high,that makes the United States caused by the financial crisis,the global impact of the unprecedented result,at the same time,it spread to China's commercial banks assets.Financial innovation and financial development studies require the deepening of banking supervision.China's banking supervision more than a decade,only a history of regulatory practice for banks in the monitoring needs of the scientific theory.The overall objective of regulatory reform is the formation of the regulator and the win was good interaction between the regulator mechanism,so as to effectively prevent and resolve risks and safeguard the healthy development of the banking industry.Commercial banks on a timely and effective supervision has a very important theoretical and practical value.In this paper,mainly through the supervision of China's commercial banks on the relevant theory to discuss the financial crisis on the impact of China's commercial banks,more foreign banking supervision,supervision of commercial banks in China to explore the issue of effective supervision of commercial banks to improve the ways and measures analysis in order to speed up innovation in the commercial banking supervision and improve the content and manner of their supervision.