英国金融监管体制改革立法及对我国的借鉴

发布时间：2018-01-17 00:26

本文关键词：英国金融监管体制改革立法及对我国的借鉴　出处：《西南金融》2014年11期 　论文类型：期刊论文

【摘要】：2008年金融危机以来,英国政府反思了三方监管体制(财政部、英格兰银行、金融服务局)的弊端,对金融监管体制进行了进一步的改革。改革思路是加强英格兰银行在金融稳定的作用;赋予英格兰银行开展审慎监管的核心职能;加强对金融机构的行为监管,保护金融消费者的合法权益;加强金融消费者的教育。我国金融监管体制是"分业经营,分业监管",与英国金融监管体制存在较大差异,但监管目标却一致。借鉴英国改革思路,我国金融监管改革的思路可以是:明确金融宏观审慎监管与微观行为监管的区别;加强监管协调机制;做好金融消费者教育,保护市场公平;发挥非政府组织的作用。
[Abstract]:Since the financial crisis in 2008, the British government has reflected on the shortcomings of the tripartite regulatory system (Treasury, Bank of England, Financial Services Bureau). Further reform of the financial supervision system is carried out. The idea of the reform is to strengthen the role of the Bank of England in financial stability; Giving the Bank of England the core function of prudential supervision; Strengthening the supervision of financial institutions and protecting the legitimate rights and interests of financial consumers; Strengthen the education of financial consumers. The financial supervision system of our country is "separate management, separate supervision", which is different from the British financial supervision system, but the aim of supervision is the same. The ideas of financial supervision reform in China can be as follows: make clear the difference between financial macro-prudential supervision and micro-behavior supervision; Strengthening regulatory coordination mechanisms; Do a good job of financial consumer education, to protect market fairness; Give play to the role of non-governmental organizations
【作者单位】：中国银行业协会;
【分类号】：D956.1;F832.1
【正文快照】： 引言金融危机对金融业的影响已逐渐褪去,金融业也逐渐恢复往日的繁荣,但是金融危机爆发从来不是可以人为控制的。金融业发展经历繁荣——危机——繁荣的循环是无法改变的。2008年金融危机以来,人们对金融危机规律的认识更加深入,并意图通过改革本国金融监管体制的方法减轻金融

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