调研报告 银行业监管存在的问题及对策研究.doc

题 目：银行业监管存在的问题及对策研究 摘 要 本设计包括两部分。一般部分是通过对光大银行（601818）经营管理状况进行了描述。专题部分对银行业监管存在的问题及对策研究问题进行分析探讨,并提出相应对策。 世界经济一体化和金融全球化飞速发展，近几年经济危机全球蔓延，我国对银行业的监管也被提到了重要的议事日程。本文针对我国银行业监管现存在的问题，提出了相应的对策。 关键词：银行监管 问题 对策 ABSTRACT This design includes two parts. In general, the management status of China everbright bank (601818) is described. This paper analyzes the problems and countermeasures of banking supervision and puts forward corresponding countermeasures. With the rapid development of world economic integration and financial globalization, the economic crisis has spread globally in recent years, and China's supervision of the banking industry has also been mentioned on the important agenda. Aiming at the problems existing in China's banking supervision, this paper puts forward corresponding countermeasures. 目 录 一般部分 光大银行（601818）经营管理状况调查报告 一、公司资料···················································· （一）公司简介······························································ （二）公司高管······························································· （三）相关证券······························································ （四）所属行业······························································ （五）板块信息······························································ 二、财务数据···················································· （一）财务摘要······························································· （二）财务指标······························································ （三）资产负债表····························································· （四）利润表································································· （五）现金流量表····························································· 三、实证分析···················································· （一）存款增长好于预期，盈利能力还待稳固······························· （二）资产质量持续改善，分红比例翻倍············································ （三）业绩增速超越预期,资产质量显著改善······································ （四）回归传统存货，估值安全··················································· （五）利润增速提升,资产负债结构持续调整······································· （六）业绩增长符合预期,资产质量压力趋缓··································· （七）利息和非息均衡增长,关注和逾期占比下降··································· （八）缩表宣告结束,分红率回归30%································· （九）阳光银行,引领互金发展新潮流·············································· （十）营收增长乏力,不良生成反弹··································· 专题部分 银行业监管存在的问题及对策研究 一、银行监管的重要性·············································· （一）银行在市场资源配置中起到核心作用·································· （二）银行是金融活动中枢··········································· （三）金融安全是国家经济安全的核心····································· 二、银行监管的现状及主要问题·································· （一）我国银行监管的现状······················································ （二）银行监管存在的主要问题··············································· （1）对外资银行的监管不全面·················································· （2）银行监管的法律体制不健全············································· （3）市场约束机制不够························································· （4） 监管的力度不够··························································· （5）对信息披露的重视度不够·················································· （6）监管人员普遍素质不高············································ （7）监管部门的协调机制不顺畅 ·············································· 三、中国银行监管制度分析·········································· （一）中国银行监管的模式 ····················································· （二）中国银行监管制度的构建  ············································· 四、完善银行监管的相关对策········································ （一）完善银行监管的法律法规·················································· （二）加强监管力度，改进监管方法·············································· （三）强化信息披露，健全市场约束机制 ································ （四）提高监管人员素质 ······················································ （五）推动银行监管的网络化管理 ················································ 四、结论··························································· 参考文献·························································· 致谢···························································· 一般部分 光大银行（601818）经营管理状况调查报告 一、公司资料 （一）公司简介 中国光大银行股份有限公司 China Everbright Bank Co.,ltd. 上海证券交易所 上市日期： 2018-08-18 6.27 主承销商： 1992-06-18 注册资本： 5,248,919万元 城市商业银行 组织形式： 吴典军 公司电话： 010-85238570 公司传真： 010-85239605 公司电子邮箱： zhdb@ 公司网址： 100045 信息披露网址： 北京市东城区建国门内大街22号华夏银行大厦 北京市东城区建国门内大街22号华夏银行大厦 本行的前身中国光大银行成立于1992年6月18日,是经国务院批复并经人民银行批准设立的金融企业。经股份制改造,光大集团总公司、中国烟草总公司云南省公司、亚洲开发银行等131家股东共同作为发起人,于1997年1月将本行改制为中国光大银行股份有限公司。改制完成后,本行成为国内第一家国有控股并有国际金融组织参股的全国性股份制商业银行,本行于1999年7月6日取得国家工商行政管理局核发的注册名称为"中国光大银行股份有限公司"的。 (一)吸收公众存款;(二)发放短期、中期和长期贷款;(三)办理国内外结算;(四)办理票据承兑与贴现;(五)发行金融债券;(六)代理发行、代理兑付、承销政府债券;(七)买卖政府债券、金融债券;(八)从事同业拆借;(九)买卖、代理买卖外汇;(十)从事银行卡业务;(十一)提供信用证服务及担保;(十二)代理收付款项及代理保险业务;(十三)提供保管箱服务;(十四)经中国银监会批准的其他业务。 （二）公司高管 历届高管成员 姓 名 职 务 起始日期 终止日期 张华宇 副行长 2009-11-09 -- 李杰 副行长 2009-11-09 -- 卢鸿 副行长 2010-10-26 -- 李嘉焱 董事会秘书 2018-01-10