我国金融监管模式的选择研究

发布时间：2018-10-22 08:30

【摘要】：20世纪末以来,金融混业经营成为世界金融业发展的新趋势,在全球金融混业经营的浪潮中,我国的金融混业经营的逐步出现,使得我国原有的分业监管模式表现出了诸多问题,因此势必要对现行金融监管模式做出适当的调整和改革。在未来我国金融监管模式的选择问题上,根据我国的具体国情和混业经营发展的不同阶段,在循序渐进的基础上实现分业监管向统一监管过渡。本文共分为四个部分。第一部分绪论第二部分阐述了目前我国金融业混业经营的发展状况及分业监管的模式约束,对目前我国金融业的发展背景进行了梳理。第三部分分析了当前我国金融业混业经营对现有监管模式造成的冲击与挑战,所暴露出的五个主要方面的问题,说明了适时对我国现行金融监管模式进行调整与改革的必要性。第四部分是本文的重点部分,主要针对如何解决以上存在的问题,对应采取的金融监管模式及措施进行的论述：首先,从金融监管理论出发,介绍了几种主要监管模式及各自的优缺点,列举了国外具代表性的几种金融监管模式,对其进行了分析和比较。说明：完善、恰当的金融监管模式应当根据一国的环境因素的变化而不断变化。其次,针对目前我国金融业的混业经营还停留在较低层次,统一监管的条件还不成熟。阐述了现阶段维护分业监管模式、加强监管协调、提高监管有效性的观点。通过金融监管专业化水平的不断提高,循序渐进地改革现行金融监管模式,逐步向统一监管过渡。最后,统一监管的条件已基本成熟,借鉴英国监管模式,对我国金融监管机构进行精简合并,将银监会、证监会、保监会合并成立中国金融监督管理委员会,三大监管部门成为金融监管委员会的内设部门,按金融业务分别对我国银行业、证券业、保险业进行功能性混业监管。
[Abstract]:Since the end of the 20th century, the financial mixed operation has become a new trend in the development of the world financial industry. In the wave of global financial mixed operation, the financial mixed operation of our country has gradually appeared. Therefore, it is necessary to adjust and reform the current financial supervision model. With regard to the choice of financial supervision mode in the future, according to the specific conditions of our country and the different stages of the development of mixed operation, the transition from separate supervision to unified supervision is realized on the basis of gradual and orderly progress. This paper is divided into four parts. The first part is the introduction. The second part expounds the development of the mixed operation of the financial industry in China and the restriction of the mode of separate supervision, and combs the background of the development of the financial industry in our country at present. The third part analyzes the impact and challenge caused by the current mixed operation of our financial industry to the existing supervision mode, and reveals the problems in five main aspects, and explains the necessity of timely adjustment and reform of the current financial supervision mode in our country. The fourth part is the key part of this paper, mainly focusing on how to solve the above problems, corresponding to the financial supervision model and measures: first, from the financial supervision theory, This paper introduces several main supervision modes and their advantages and disadvantages, enumerates several representative financial supervision modes abroad, and analyzes and compares them. Explanation: a sound and appropriate financial regulatory model should be constantly changing according to a country's environmental factors. Secondly, the mixed operation of our financial industry is still at a lower level, and the condition of unified supervision is not mature. This paper expounds the viewpoint of maintaining the mode of separate supervision, strengthening the coordination of supervision and improving the effectiveness of supervision. Through the continuous improvement of the specialization of financial supervision, the current mode of financial supervision is reformed step by step, and the transition to unified supervision is made step by step. Finally, the conditions for unified supervision have basically matured, drawing lessons from the British regulatory model, streamlining and merging our financial regulatory institutions, and merging the CBRC, CSRC and CIRC to form the China Financial Supervision and Management Commission. The three regulatory departments have become the internal departments of the Financial Supervision Committee, which respectively supervise the banking, securities and insurance industries in China according to the financial business.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1

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