国际金融监管架构研究

发布时间：2018-07-06 17:58

本文选题：金融监管合作 + 金融监管架构　；参考：《郑州大学》2011年硕士论文

【摘要】：国际金融监管的相关规则没有形成那种经国家签署的正式的国际法律。目前最重著名的国际金融监管规则巴塞尔协议的根本性质是软法。这种软法对国家而言并没有实质性的拘束力。而进行国际金融监管合作并且实现国际金融秩序的稳定则是国际社会的共同目标,而由于正式国际法的形成程序过为复杂,周期较为漫长,以及过多触及国家主权,所以国际金融监管的实现目前依靠的是这种非正式的软性法律。但是,由于国际社会的成员对于金融监管的要求多样化,国内市场有不同的特点,所以形成正式的国际金融监管合作存在许多不同的障碍。有效的监管合作,只有首先突破这些合作障碍才可能得以实现。当然,具体的技术性的障碍也是金融监管合作的要解决的重要问题,这些技术障碍即是巴塞尔协议等国际软性法律所要解决的问题。目前国际金融监管合作的框架是,首先在国际性的论坛或者会议上由全球主要的工业国家达成解决问题的共识,然后这种共识反应在一些常设性的国际组织中就是修订新的金融监管规则,最终这些规则由各个国家的监管者通过各种方式予以采用形成具体的国内规则。目前而言,国际金融监管合作的组织有国际清算银行下(BIs)及其下属的巴塞尔银行监管委员会(BCBS),国际证券业监管组织(IOSCO),国际监督官协会(IAIS).就国内金融监管的结构而言,有分业监管,统一监管,双峰监管模式等,但是无论是什么监管模式,都倾向于加强不同监管者之间的沟通协作以及信息共享。就具体的金融监管结构的技术层面而论,有原则性监管以及规则性监管,功能性监管。这些监管模式的最终目的,是要应对全球化和金融产业的告诉发展所带来的挑战,这些挑战包括金融工具的复杂性,金融产业功能的聚合,以及由此带来的风险的隐秘和不透明。最终,巴塞尔协议等国际金融监管规则只是这些监管需求的成果,至于巴塞尔协议Ⅲ能在多大程度上促进金融稳定,还需要时间的检验。
[Abstract]:The relevant rules of international financial regulation do not form the formal international law that is signed by the state. The fundamental nature of the most famous international financial regulatory rules in Basel is the soft law. This soft law has no substantial binding force for the state. Stability is the common goal of the international community, and the implementation of the formal international law is complicated, the cycle is long, and the sovereignty of the state is too much, so the realization of international financial regulation is now relying on this informal soft law.
However, because members of the international community have diversified requirements for financial supervision and different characteristics in the domestic market, there are many different obstacles in the formation of formal international financial supervision and cooperation. Effective supervision and cooperation can only be achieved by breaking through these cooperation barriers first. Of course, the specific technical barriers are also gold. The key problems to be resolved in the process of integrating regulatory cooperation are the problems to be solved by international soft laws such as the Basel agreement.
The framework of the current international financial regulatory cooperation is to begin with an international forum or conference by the leading industrial countries of the world to reach a consensus, which is then reacted to some permanent international organizations to revise the new rules of financial regulation, and eventually the rules are passed by the regulators of various countries. The form is adopted to form specific domestic rules.
At present, the organizations of international financial regulatory cooperation include the BIs (BIs) and its subordinate Banking Regulatory Commission (BCBS), the international securities regulatory organization (IOSCO), and the International Association of supervisors (IAIS). In terms of the structure of domestic financial supervision, there are separate supervision, unified supervision, and the model of Shuangfeng supervision, but whatever it is The mode of supervision tends to strengthen the communication and cooperation between the different supervisors and the information sharing. On the technical level of the specific financial regulatory structure, there are principles supervision, regular supervision and functional regulation.
The ultimate goal of these regulatory models is to deal with the challenges of globalization and the financial industry's telling development, which include the complexity of financial instruments, the aggregation of financial industry functions, and the hidden and opaque risks associated with it.
Finally, international financial regulation, such as the Basel agreement, is only the result of these regulatory demands. As to how much financial stability can be promoted by the Basel Agreement III, it also takes time to test it.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D996.2;F831.1

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