论我国金融创新与监管关系的法律调整

发布时间：2018-03-23 02:20

本文选题：金融创新　切入点：金融监管　出处：《武汉工程大学》2012年硕士论文　论文类型：学位论文

【摘要】：由美国次贷危机引起的全球金融危机爆发之后，，金融创新与金融监管关系的协调成了学界研究的重心之一。金融创新与金融监管是一种动态的博弈关系，两者既相互促进又相互矛盾。金融危机的爆发，归根结底是金融创新和金融监管两者相互博弈中由于发展的不平衡所造成的。二者的自由博弈必然以金融秩序的破坏为代价。因此，构建金融创新与金融监管的自动制衡法律机制应当是二者关系协调的重要选择。根据我国的具体国情，借鉴欧美金融监管改革实践，我国应当构建金融创新前风险论证、设立风险预警、评估、化解预案的自动制衡监管制度，通过法律规范自动修正二者运行偏差，在金融创新中有效防范和遏制金融风险。论文分绪论、正文和结论三部分。正文第一章“2008年全球性金融危机回顾”主要叙述了次贷危机爆发的过程、危机对世界金融秩序的影响以及笔者对金融危机的反思；第二章“金融创新与金融监管历史沿革”阐述金融创新和金融监管的发展历程以及美国在金融危机中处理金融监管与金融创新关系失误的探讨；第三章“金融创新与金融监管博弈关系分析”研究金融创新与金融监管之间的相互促进相互制约的关系，具体说来就是博弈的关系，并且进一步对其博弈关系展开了分析；第四章“我国协调金融创新与金融监管关系的缺陷”剖析了我国金融创新与金融监管关系的现状、存在的缺陷以及协调金融创新与监管关系的必要性；第五章“我国金融创新与金融监管关系协调法律机制的构建”提出了我国金融创新自动制衡监管机制构建，当创新出现风险时，监管机制自动进行遏制；当监管过度影响创新时，监管自动松绑。
[Abstract]:After the outbreak of the global financial crisis caused by the subprime mortgage crisis in the United States, the coordination between financial innovation and financial supervision has become one of the focuses of academic research. The two are mutually reinforcing and contradictory. The outbreak of the financial crisis, In the final analysis, financial innovation and financial regulation are caused by the imbalance of development in the game between them. The free game between them is bound to be at the expense of the destruction of financial order. It should be an important choice to coordinate the relationship between financial innovation and financial supervision. According to the actual situation of our country and the practice of financial supervision reform in Europe and America, we should construct the risk demonstration before financial innovation. Set up risk early warning, evaluate, dissolve the automatic check and balance supervision system of the plan, correct the deviation of the two automatically through the law norm, effectively prevent and restrain the financial risk in the financial innovation. The paper is divided into three parts: introduction, text and conclusion. The first chapter of the text, "the review of the global financial crisis in 2008", mainly describes the process of the outbreak of the subprime mortgage crisis, the impact of the crisis on the world financial order and the author's reflection on the financial crisis; The second chapter, "the history of financial innovation and financial supervision", expounds the development of financial innovation and financial supervision, and discusses the mistakes in dealing with the relationship between financial regulation and financial innovation in the United States in the financial crisis. The third chapter "the analysis of the relationship between financial innovation and financial supervision game" studies the relationship between financial innovation and financial regulation, specifically, the relationship between game theory, and further analyzes the game relationship between financial innovation and financial supervision. The fourth chapter, "the defects of the relationship between financial innovation and financial supervision in China", analyzes the present situation of the relationship between financial innovation and financial supervision, the existing defects and the necessity of coordinating the relationship between financial innovation and financial supervision. The fifth chapter "the construction of the legal mechanism of coordinating the relationship between financial innovation and financial supervision" puts forward the construction of automatic check and balance supervision mechanism of financial innovation in our country. When there is a risk of innovation, the regulatory mechanism will automatically contain it; When the regulation excessively affects innovation, the regulation automatically unties.
【学位授予单位】：武汉工程大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.28;F832.1

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