中国金融业行为监管研究
发布时间：2018-12-08 15:25
【摘要】：金融监管总是伴随着金融创新和金融危机的发生而不断演进。2008年国际金融危机前,各国学者和金融监管实务界聚焦于机构监管和功能监管、分散监管和统一监管的改革争论,而危机过后,另一种的监管模式被引起广泛关注——双峰监管模式(审慎监管和行为监管,分别以维护金融系统稳定和保护金融消费者权益为目标)。分别于1998年、2002年采用“双峰监管”模式澳大利亚和荷兰能在危机中较好地恢复过来,而采用“双重多头”监管的美国和“统一监管”的英国却因危机遭受重创,金融消费者权益被严重侵害。危机后,美英等国对本国既有的监管哲学、监管模式进行反思,认为应加强金融机构行为监管,以保护金融消费者权益,并在之后的金融监管改革中均趋向于“双峰监管”模式。至此,行为监管普遍受到前所未有的重视,与宏观审慎监管和微观审慎监管共同构成危机后国际金融监管改革的三条主线。危机后,我国在一定程度上吸取了国际金融改革经验,初步进行了金融监管改革,强调行为监管和金融消费者权益保护,包括在“一行三会”内部成立了金融消费者保护部门,制定有关金融消费者权益保护管理制度等。但在我国金融业混业经营逐步推进、交叉性金融产品相互渗透和金融创新不断加剧背景下,改革现有监管模式,强化对金融机构行为监管和金融消费者权益保护为大势所趋。一般而言,金融监管改革存在一定的路径依赖。相比审慎监管有完备的理论、成熟的经验、和国际化标准体系,行为监管在理论、经验和标准上都显得相对不足,因此,本文在对行为监管理论进行分析,总结澳大利亚、英国、美国等国金融监管改革经验的基础上,充分结合我国金融业发展和监管状况及趋势,研究我国金融监管改革的路径,构建我国行为监管的框架体系。
[Abstract]:Financial supervision always evolves with financial innovation and financial crisis. Before the 2008 international financial crisis, scholars and practitioners of financial supervision in various countries focused on the reform of institutional supervision and functional supervision, decentralized supervision and unified supervision. In the aftermath of the crisis, another type of regulatory model has attracted widespread attention-the bimodal regulatory model (prudential regulation and behavioral regulation, aimed at maintaining the stability of the financial system and protecting the rights and interests of financial consumers, respectively). In 1998 and 2002, Australia and the Netherlands were able to recover better from the crisis by adopting the "double peak" model, while the United States and the United Kingdom, which adopted "dual long" regulation and "unified regulation", were hit hard by the crisis. Financial consumer rights and interests have been seriously infringed. After the crisis, the United States and Britain and other countries reflect on their existing regulatory philosophy, regulatory model, and think that we should strengthen the supervision of financial institutions to protect the rights and interests of financial consumers. And after the reform of financial supervision tend to "double peak supervision" mode. So far, behavioral supervision has received unprecedented attention, which, together with macro-prudential supervision and micro-prudential supervision, constitutes the three main lines of post-crisis international financial regulatory reform. After the crisis, China, to a certain extent, absorbed the experience of international financial reform and initially carried out financial regulatory reform, emphasizing behavioral supervision and the protection of the rights and interests of financial consumers, including the establishment of a financial consumer protection department within the "one line and three sessions". Formulate relevant financial consumer rights and interests protection management system. However, under the background of the gradual promotion of mixed operation of financial industry in China, the mutual penetration of cross financial products and the intensification of financial innovation, it is the general trend to reform the existing regulatory model and strengthen the supervision of financial institutions and the protection of the rights and interests of financial consumers. Generally speaking, the financial supervision reform has certain path dependence. Compared with prudential supervision, there is a complete theory, mature experience, and international standard system. Behavior supervision is relatively inadequate in theory, experience and standard. On the basis of the experience of financial supervision reform in Britain and the United States, this paper studies the path of China's financial supervision reform and constructs the framework system of our country's behavior supervision by fully combining the development and supervision situation and trend of China's financial industry.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.1
本文编号：2368572
[Abstract]:Financial supervision always evolves with financial innovation and financial crisis. Before the 2008 international financial crisis, scholars and practitioners of financial supervision in various countries focused on the reform of institutional supervision and functional supervision, decentralized supervision and unified supervision. In the aftermath of the crisis, another type of regulatory model has attracted widespread attention-the bimodal regulatory model (prudential regulation and behavioral regulation, aimed at maintaining the stability of the financial system and protecting the rights and interests of financial consumers, respectively). In 1998 and 2002, Australia and the Netherlands were able to recover better from the crisis by adopting the "double peak" model, while the United States and the United Kingdom, which adopted "dual long" regulation and "unified regulation", were hit hard by the crisis. Financial consumer rights and interests have been seriously infringed. After the crisis, the United States and Britain and other countries reflect on their existing regulatory philosophy, regulatory model, and think that we should strengthen the supervision of financial institutions to protect the rights and interests of financial consumers. And after the reform of financial supervision tend to "double peak supervision" mode. So far, behavioral supervision has received unprecedented attention, which, together with macro-prudential supervision and micro-prudential supervision, constitutes the three main lines of post-crisis international financial regulatory reform. After the crisis, China, to a certain extent, absorbed the experience of international financial reform and initially carried out financial regulatory reform, emphasizing behavioral supervision and the protection of the rights and interests of financial consumers, including the establishment of a financial consumer protection department within the "one line and three sessions". Formulate relevant financial consumer rights and interests protection management system. However, under the background of the gradual promotion of mixed operation of financial industry in China, the mutual penetration of cross financial products and the intensification of financial innovation, it is the general trend to reform the existing regulatory model and strengthen the supervision of financial institutions and the protection of the rights and interests of financial consumers. Generally speaking, the financial supervision reform has certain path dependence. Compared with prudential supervision, there is a complete theory, mature experience, and international standard system. Behavior supervision is relatively inadequate in theory, experience and standard. On the basis of the experience of financial supervision reform in Britain and the United States, this paper studies the path of China's financial supervision reform and constructs the framework system of our country's behavior supervision by fully combining the development and supervision situation and trend of China's financial industry.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.1
【参考文献】
相关期刊论文 前3条
1 王华庆;;完善金融消费权益保护机制[J];中国金融;2012年22期
2 张蕴萍;;信息不对称与金融消费者保护[J];学习与探索;2013年01期
3 王兆星;;强化金融消费者保护——国际金融监管改革系列谈之十[J];中国金融;2013年21期
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