我国金融监管：体制缺陷与改进

发布时间：2018-05-19 22:14

本文选题：监管框架 + 监管协调　；参考：《山东大学》2013年硕士论文

【摘要】：金融市场的蓬勃发展加速了全球经济一体化战略的逐渐形成,随着全球金融市场的不断发展,金融监管成了多数市场经济体制国家监督金融活动、管理金融领域的主要方式。在金融市场规模和体系不断拓展和完善的今天,金融监管在保障金融市场合理化、科学化和法制化的过程中都发挥出了重要的作用。基于金融市场在我国经济发展过程中所承载的重要意义,本文就我国金融监管方式等一系列问题进行一番了探。在探究我国金融监管方式的过程中,本文首先对金融监管的基本内容进行了简要的概述,并从金融体系、金融市场信息以及金融发展速度三个角度阐述了金融监管发展的必要性。在研究我国金融市场信息的过程中发现,信息的不对称性和不够完备是阻碍金融市场健康良好发展的主要因素,而金融体系的脆弱性和外部性等自身固有的属性都决定了金融市场的发展必须有金融监管发挥相应的监督管理职能,才能保证金融市场符合我国法制化建设的要求。随着我国社会与经济建设的不断发展和完善,金融业也表现出了强劲的发展势头。在近几年的经济运行过程中,金融业在我国社会经济建设中扮演了越来越重要的角色,逐渐升级为促进我国国民经济加速增长的中流砥柱,所以金融市场的规模呈现出逐年扩大、逐年增长的趋势。虽然规模的不断扩大和金融活动的不断增多,进一步加速了我国金融监管体制建设进程的挺进,但是随着金融企业的不断增加,金融活动开展的数量越来越多,金融活动中的各种风险因素也随之增加。为了进一步有效地规范金融市场、监督金融企业、管理金融活动,实现金融市场发展可以为我国各项建设事业起到良好促进作用的目的,金融市场的一系列监督管理措施随之出台,这给金融业的合理、合法、合规发展提供了有力的保障。金融监管体系的出台,给我国金融市场的发展提供了良好的支持。在金融监管的发展督促下,我国金融市场初步达到了合理化、合规化、法制化发展的目的。但是由于我国社会建设和经济发展的速度过快,金融市场的发展也表现出了不可忽视的高效性,这就暴露出我国金融监管发展的滞后性。目前我国金融市场受全球经济一体化的影响,正在逐步朝向证券化、复杂化、微观化、多元化和国际化的方向发展,这就给金融市场中金融活动的监督和管理提出了新的挑战。为了进一步研究我国金融监管方式存在的不足与缺陷,本文以美国为例对其金融监管的发展脉络进行了介绍；然后对我国金融监管的体制沿革与现状进行了分析、总结和归纳,得出目前我国金融监管方式在监管模式、监管目标、监管措施等方面存在的缺陷,以及金融监管体制还不健全无法应对混业经营提出的挑战等结论。在摸清了当前我国金融监管存在的局限性因素之后,本文比较分析了美国金融监管改革法案的主要内容,结合我国经济发展和社会建设的实际情况,给出了改善目前我国金融监管方式的对策建议：提出了转变金融监管思路以巩固中国人民银行的核心地位、加强金融信息资源的建设与管理、加强金融监管的国际合作；为应对可能存在的系统性风险,监管机构应该加强自身的组织建设,权责明确以增强其监管独立性与协调能力；在加强社会和中介机构的辅助性监管,加强金融监管法制化的同时,也要注重发挥监管部门在监管实践中的主观能动性等诸如此类的改进措施,以使我国的金融监管朝向更加健康良好的方向发展。
[Abstract]:The rapid development of financial markets has accelerated the gradual formation of the global economic integration strategy . With the development of global financial markets , financial supervision has become the main way to supervise the financial activities and manage the financial field .

In the process of exploring the way of financial supervision in China , this article firstly summarizes the basic contents of financial supervision , and expounds the necessity of financial supervision and development from three angles of financial system , financial market information and financial development speed .

The introduction of financial supervision system provides good support for the development of financial market in China . Under the supervision of the development of financial supervision , China ' s financial market has reached the goal of rationalization , compliance and legalization . However , because of the rapid development of our country ' s social construction and economic development , the development of financial market has also shown a non - negligible effect . At present , China ' s financial market is being developed in the direction of securitisation , complexity , microcosmic , diversification and internationalization , which poses a new challenge to the supervision and management of financial activity in financial markets .

In order to further study the shortcomings and shortcomings of China ' s financial supervision system , this paper gives an introduction to the development of financial supervision in the United States .
Then , the paper analyses , summarizes and sums up the institutional evolution and the current situation of financial supervision in China , and concludes that the current financial supervision system has some defects in the supervision mode , the supervision target , the supervision measures and so on , and the financial supervision system is not perfect and cannot meet the challenges of the mixed operation .

After the author finds out the limitation factor existing in China ' s financial supervision , this paper compares the main contents of the American financial supervision reform bill , and gives some suggestions on how to improve our country ' s financial supervision in the light of the actual situation of our country ' s economic development and social construction : the paper puts forward the countermeasures to change the financial supervision way in China : put forward the idea of changing financial supervision to consolidate the core position of the People ' s Bank of China , strengthen the construction and management of financial information resources , and strengthen the international cooperation of financial supervision ;
In order to deal with the systemic risks that may exist , regulators should strengthen their own organizational construction , with a clear mandate to enhance their regulatory independence and coordination capacity ;
At the same time , we should pay attention to the improvement measures such as subjective initiative and so on in the supervision practice , so as to make our country ' s financial regulation develop in a more healthy direction .
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1

【参考文献】