供给侧改革背景下我国金融监管体制重构的思考——基于互联网金融对传统金融的冲击分析

发布时间：2018-01-10 23:11

本文关键词：供给侧改革背景下我国金融监管体制重构的思考——基于互联网金融对传统金融的冲击分析　出处：《当代经济管理》2017年01期 　论文类型：期刊论文

【摘要】：近些年来,混业经营已成为金融市场发展的趋势。其中,以互联网金融为代表的混业经营正在加速推进混业监管的进程。而中国金融监管制度停留在分业监管的阶段,不利于金融市场的趋良性发展。可见,金融监管制度改革已经迫在眉睫。金融市场的混业经营将倒逼金融混业监管,互联网金融的快速发展也将更加需要混业监管。文章首先纵观国外金融监管改革路径并进行对比分析;接着构建金融监管演进的数学模型进行推理,得出金融监管改革不仅是金融混业经营发展所推动的结果,而且是金融监管制度演进的必然选择;混业监管对于金融监管主体和金融经营者而言,是一种"双赢"策略。在此基础上,提出建立金融监管磋商会议制度构想。最后在构建系统性金融监管体系、分层次推进混业监管改革、坚持以市场的运行为导向以及形成综合性风险控制体系等方面提出建议。
[Abstract]:In recent years, mixed operation has become the trend of financial market development. The mixed operation, represented by Internet finance, is speeding up the process of mixed supervision. However, the Chinese financial supervision system stays at the stage of separate supervision, which is not conducive to the benign development of financial market. The reform of financial supervision system is imminent. The mixed operation of financial market will force financial mixed supervision. The rapid development of Internet finance will also need mixed supervision. Then the mathematical model of the evolution of financial supervision is built to infer that the reform of financial supervision is not only the result promoted by the development of financial mixed operation but also the inevitable choice of the evolution of financial supervision system. Mixed supervision is a "win-win" strategy for the subject of financial supervision and financial operators. On this basis, the paper puts forward the idea of establishing the financial supervision consultation conference system. Finally, it constructs a systematic financial supervision system. This paper advances the reform of mixed industry supervision in different levels, insists on taking the market as the direction and forms the comprehensive risk control system and puts forward some suggestions.
【作者单位】：南京财经大学中国区域金融研究中心;南京信息工程大学欧美再工业化战略研究中心;
【分类号】：F832.1
【正文快照】： 一、引言纵观整个金融发展的历程,却也不难发现其中蕴藏的规律,而金融市场主体混业经营就是其中的显著方向。近年来,随着经济社会发展的加速,互联网金融的快速发展,之前传统的金融分业经营模式已经逐步被多品类、全方位的综合性混业经营所取代,金融机构往往都是集基金、证券、

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