我国金融监管体制创新法律问题研究

发布时间：2018-05-16 10:44

本文选题：金融监管 + 金融创新　；参考：《湖南大学》2012年硕士论文

【摘要】：金融监管源于金融业内在的不稳定性及其经营中所承担的巨大风险，作为经济监督和宏观调控的一种重要形式，能保障金融业的稳定和效率，防范金融风险，维护金融安全，促进经济发展。金融监管的理论基础是金融市场的不完全性，现代经济学，特别是信息经济学、博弈论、市场失灵理论为金融监管奠定了理论基础。对一个国家来说，随着经济金融的发展，金融业的对外开放程度必然增加，，而金融开放必然使一国经济和金融体系的不确定性增加，同时也加剧了原有金融体系的脆弱性。这样，如何面对更加开放和复杂的经济环境，实施有效的金融监管就成为一国事关金融业稳定发展和国民经济持续增长的核心问题。市场失灵会导致金融和经济体系的混乱，危害国家乃至整个世界经济的发展，因此，对金融工具和金融机构的监管是一国政府的责任。金融监管的模式根基于一国政治经济的发展。尽管各国金融监管的组织机构、法律环境、金融机构的市场基础具有很大的差异，但仍然可以抽象出不同市场环境下金融监管的模式，研究不同模式的特点以及各种模式的发展状态及其评价。发展是金融业的主题，创新是金融业发展的灵魂。但是，金融创新将给金融监管工作提出很多新的课题。金融创新在促进金融发展的同时，必将对现行金融监管方式、方法和金融监管体制提出挑战，增加金融监管的难度，甚至使原来的金融监管制度和措施失效。在这种情况下，金融监管体制创新就成为必然的选择。就我国而言，在国民经济稳健发展的同时，多年来聚集起来的金融风险也日益加深，金融机构和金融市场已经暴露出不少严重的问题，如何依法加强对金融机构和金融市场的监管，规范和维护金融秩序，有效防范和化解金融风险，不断推进金融监管体制的创新，的确已成为我国金融监管当局的当务之急。
[Abstract]:As an important form of economic supervision and macro-control, financial supervision can guarantee the stability and efficiency of financial industry, prevent financial risks and maintain financial security. Promoting economic development. The theoretical basis of financial supervision is the incompleteness of financial market. Modern economics, especially information economics, game theory and market failure theory have laid a theoretical foundation for financial supervision. For a country, with the development of economy and finance, the degree of financial industry opening to the outside world is bound to increase, and the financial opening will inevitably increase the uncertainty of a country's economy and financial system, and at the same time, aggravate the fragility of the original financial system. In this way, how to face the more open and complex economic environment, the implementation of effective financial supervision has become the core issue of a country's stable development of the financial industry and sustained growth of the national economy. Market failure will lead to the chaos of financial and economic systems and endanger the development of the country and even the whole world economy. Therefore, the supervision of financial instruments and financial institutions is the responsibility of the government of a country. The mode of financial supervision is based on the political and economic development of a country. Although the organization, the legal environment and the market foundation of financial institutions vary greatly in different countries, they can still abstract the models of financial supervision in different market environments. The characteristics of different models and their development status and their evaluation are studied. Development is the theme of the financial industry, innovation is the soul of the development of the financial industry. However, financial innovation will bring a lot of new issues to financial supervision. While promoting financial development, financial innovation will certainly challenge the current financial supervision mode, method and financial supervision system, increase the difficulty of financial supervision, and even invalidate the original financial supervision system and measures. In this case, the innovation of financial supervision system becomes the inevitable choice. As far as our country is concerned, while the national economy is developing steadily, the financial risks that have accumulated over the years have also deepened day by day. Financial institutions and financial markets have exposed many serious problems. How to strengthen the supervision of financial institutions and financial markets according to law, standardize and maintain financial order, effectively prevent and resolve financial risks, and continuously promote the innovation of financial supervision system, has indeed become the urgent task of our financial regulatory authorities.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.28;F832.1

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