论后金融危机时代英国金融监管改革及对中国的启示

发布时间：2018-02-01 06:49

本文关键词： 金融监管系统风险金融稳定改革　出处：《华东政法大学》2014年硕士论文　论文类型：学位论文

【摘要】：2008年，由美国的次贷危机引发的全球性金融危机严重冲击了英国的金融市场。在危机爆发后，英国政府积极的采取各项措施来救济英国的金融市场，另一方面也在反思此次金融危机爆发的根源。此次金融危机的经验教训，使得英国政府认识到应当努力纠正其金融监管体系的诸多缺陷，从而防范可能发生的类似危机。因此英国政府对其金融监管体系进行了大刀阔斧的改革，废除了由单一的金融监管机构-金融服务局进行监管的统一监管模式，取而代之的是英格兰银行领导下的双峰监管模式。在新的金融监管体系下，英格兰银行的权力得到了加强，并在其内部设立了承担宏观审慎监管职责的金融政策委员会。另外，新的金融监管机构审慎监管局和金融行为管理局相继成立，从而构建起英国的双峰监管模式。而这种改革后的金融监管体系是英国政府基于对金融危机的反省所构建的，其目的非常明确即强化宏观审慎监管，，防范系统风险并维护金融市场健康稳定的可持续发展。当然这种金融监管体系既有其优越的一面，也存在着一定的局限性。虽然英国的金融监管改革尚有不完善之处，但是此次改革在很大程度上有助于实现其金融改革的目的。在中国，由于中国金融市场相对封闭，在此次金融危机中并未造成巨大损失，但是不可否认中国金融监管体系存在着诸多问题。中国金融监管体系需要改革，而且中国政府已经在采取措施来完善中国的金融监管体系。英国的金融监管改革的经验对于中国金融监管改革有着诸多可以借鉴和参考的地方。本文研究的主要目的是分析英国金融监管改革的内容并为中国的金融监管改革提出建议。本文首先介绍了金融危机之前的英国金融监管体系及在金融危急中暴露出来的缺陷，然后介绍并评析英国金融监管改革的主要内容，最后在分析中国的金融监管出现的问题的基础上，提出中国金融监管改革的建议。
[Abstract]:In 2008, the global financial crisis caused by the subprime mortgage crisis in the United States seriously impacted the British financial market. After the crisis broke out, the British government actively took various measures to rescue the British financial market. On the other hand, it is also reflecting on the root causes of the financial crisis. The experience and lessons of the financial crisis have made the British government realize that efforts should be made to correct the shortcomings of its financial regulatory system. In order to prevent possible similar crises, the British government has carried out drastic reforms to its financial regulatory system, and abolished the unified regulatory model of supervision by a single financial regulatory body, the Financial Services Authority (FSA). Instead, there is the bimodal regulatory model led by the Bank of England, which has strengthened its powers under the new financial regulatory system. In addition, the new financial regulatory bodies, the prudential Supervisory Authority and the Financial Conduct Authority, have been established one after another. The reform of the financial supervision system is based on the reflection of the financial crisis, the purpose of which is to strengthen macro-prudential supervision. To guard against systemic risks and to maintain a healthy and stable sustainable development of financial markets. Of course, this financial regulatory system has its advantages. There are also some limitations. Although the reform of financial supervision in Britain is still imperfect, but this reform to a large extent helps to achieve the purpose of its financial reform. In China. Because China's financial market is relatively closed, it did not cause huge losses in the financial crisis, but it is undeniable that there are many problems in China's financial regulatory system. China's financial regulatory system needs to be reformed. Moreover, the Chinese government is already taking measures to perfect China's financial supervision system. The experience of the British financial supervision reform has many references for China's financial supervision reform. The purpose of this paper is to analyze the content of the reform of financial supervision in Britain and to make suggestions for the reform of financial supervision in China. Firstly, this paper introduces the financial supervision system before the financial crisis and the defects exposed in the financial crisis. Then it introduces and evaluates the main contents of the reform of financial supervision in Britain, and finally puts forward some suggestions on the reform of financial supervision in China on the basis of analyzing the problems of financial supervision in China.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1

【参考文献】