当前地方政府金融监管职权改革研究

发布时间：2018-03-27 11:49

本文选题：金融监管　切入点：地方政府金融监管　出处：《华南理工大学》2013年硕士论文

【摘要】：地方政府金融监管职权是我国金融监管体制的重要组成部分及市场经济下地方政府的重要职权之一。现如今，中央政府与地方政府的金融监管职权配置严重失衡，但是，加强地方政府的金融监管职权确实存在多方面的客观需求。本文主要从理论和实际基础，现实需求，事实依据三方面阐述了地方政府行使金融监管职权的必要性，认为地方政府加强金融机构监管、实现监管全覆盖拥有地缘优势，适应金融创新、堵塞金融市场监管漏洞拥有信息优势，保护消费者权益拥有动力优势。另外，地方政府行使金融监管职权，不仅国内有现实需求，国外亦有类似实践，就其合理性而言，有利于弥补金融监管信息不对称的缺陷，解决权力与责任不对等的问题，适应应对地方金融风险的现实要求，以及符合市场经济条件下地方制度竞争的要求。论文还从地方政府金融监管发展历程着手分析，着重总结出了当前地方政府金融监管职权的问题和矛盾，以及我国地方政府的金融监管职权配置存在严重不对称，地方政府尚未承担与其地位相适应的监管权限，金融监管职权缺失的问题。并且找出缺失问题的根源主要与价值理念、制度架构、利益机制相关联，为进一步改革地方政府金融监管职权找到了症结根源和重构方向。最后，提出完善地方政府金融监管职权的建议，主要从金融监管地方分权法治化框架的构建、金融监管目标模式的建立、金融监管机构职能分工与协作机制的构架等方面进行分析。论文认为，应基于法治化视角处理中央政府与地方政府的关系，在宪政框架内确立金融监管的地方分权基本原则，以宪法或宪法性法律明确中央政府主导行使金融监管职权，地方政府在本行政区划内享有对地方金融机构或金融活动的金融监管职权。在金融监管的价值取向上应更注重安全与效率兼顾，在处理中央政府与地方政府的金融监管机构关系时应注重合作共治，在权力运行模式上更注重中央政府与地方政府金融监管机构的相互制衡。中央与地方分权框架形成后，，就必须对金融监管机构的职能分工与协作机制进行设计，以形成科学合理、有效运转的制度体系。
[Abstract]:The financial supervision authority of local government is an important part of the financial supervision system of our country and one of the important functions and powers of the local government under the market economy. Nowadays, the allocation of financial supervision authority between the central government and the local government is seriously out of balance, but, There are many objective needs in strengthening the financial supervision authority of local government. This paper expounds the necessity of local government to exercise financial supervision authority from three aspects: theoretical and practical basis, realistic demand and factual basis. It is believed that local governments should strengthen the supervision of financial institutions, achieve full coverage of supervision and have geographical advantages, adapt to financial innovation, plug loopholes in financial market regulation, have information advantages, and protect consumers' rights and interests. In addition, The local government not only has the realistic demand at home, but also has the similar practice in foreign countries, which is helpful to remedy the deficiency of the information asymmetry of financial supervision and solve the problem of unequal power and responsibility, as far as its rationality is concerned. It adapts to the practical requirements of local financial risks and meets the requirements of local institutional competition under the market economy. The paper also analyzes the development course of local government financial supervision, and summarizes the problems and contradictions of local government financial supervision authority, as well as the serious asymmetry in the allocation of local government financial supervision authority in our country. The local government has not yet assumed the regulatory authority corresponding to its status, and the problem of the lack of financial supervision authority, and find out the root of the problem is mainly related to the value concept, institutional framework, interest mechanism, For the further reform of local government financial supervision authority to find the crux of the root cause and reconstruction direction. Finally, the paper puts forward some suggestions to improve the financial supervision authority of local governments, mainly from the construction of the framework of decentralization and legalization of financial supervision, and the establishment of the target model of financial supervision. This paper analyzes the function division of financial supervision institutions and the framework of coordination mechanism. The paper holds that the relationship between central government and local governments should be dealt with from the perspective of rule of law, and the basic principle of decentralization of financial supervision should be established within the framework of constitutionalism. The central government shall explicitly exercise the functions and powers of financial supervision by means of the constitution or constitutional laws, Local governments have the authority to supervise local financial institutions or financial activities within their respective administrative divisions. In the value orientation of financial supervision, they should pay more attention to both safety and efficiency. When dealing with the relationship between the central government and the local government, we should pay more attention to the cooperation and co-governance, and pay more attention to the checks and balances between the central government and the local government financial supervision institutions in the mode of power operation. It is necessary to design the functional division of labor and cooperation mechanism of financial supervision institutions in order to form a scientific and rational and effective operating system.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1;D630

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