县域金融监管协调机制研究

发布时间：2018-01-15 21:00

本文关键词：县域金融监管协调机制研究　出处：《河北大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着现代经济社会的快速发展,金融业日益成为推动国民经济发展的重要部门。在全球金融危机后,各国都更加注重对金融业的监管,并着手解决金融监管中存在的问题和弊端。相比国外而言,我国金融监管协调机制的建设起步较晚,虽然取得了较快的发展和一定的成效,但依然存在法律制度缺失、机制内部设计不科学、机制效力低下等弊端。尤其是目前,县域金融快速发展,金融风险不断累积,金融稳定形势日益严峻,改革完善县域金融监管协调机制,提高监管效率,既是加强县域金融监管的重要课题之一,也是新常态下构建宏观审慎监管框架的重要内容。首先,本文介绍了我国金融监管协调机制发展的历史、现状以及县域金融发展的特点,强调了建立县域金融监管协调机制的重要性。其次,本文在以前研究的基础上将地方政府作为新的研究主体加入到协调机制中,根据协同学的观点,构建了“地方政府、一行、三会”的金融监管协同度模型,对县域金融监管协同度进行测算,总结出影响县域金融监管协调机制的内部问题和外部因素,并通过对实际案例的剖析,强调缺乏金融监管协调的危害。最后,本文提出了修订法律,确定人民银行领导地位;厘清中央、地方金融监管职权;明确工作目标,构建评价体系;细化协调机制设计,增强有效性等完善县域金融监管协调机制的建议,并探索构建了突出人民银行金融监管领导地位,由人民银行和地方政府共同构建集中统一的县域金融监管协调机制的路径,为协调央地监管和完善金融监管有效性建设提出了一种思路。
[Abstract]:With the rapid development of modern economy and society, the financial industry has increasingly become an important sector to promote the development of the national economy. After the global financial crisis, all countries pay more attention to the supervision of the financial industry. Compared with foreign countries, the construction of financial supervision coordination mechanism in China started relatively late, although it has achieved rapid development and certain results. However, there are still shortcomings such as the lack of legal system, unscientific design and low effectiveness of the mechanism. Especially at present, with the rapid development of county finance and the accumulation of financial risks, the situation of financial stability is becoming increasingly severe. To reform and improve the coordination mechanism of county financial supervision and improve the efficiency of supervision is not only one of the important topics of strengthening county financial supervision but also an important content of constructing macro-prudential regulatory framework under the new normal. This paper introduces the history of the development of financial supervision coordination mechanism in China, the current situation and the characteristics of the county financial development, and emphasizes the importance of establishing the coordination mechanism of financial supervision at the county level. Secondly. Based on the previous research, this paper adds the local government as a new research subject to the coordination mechanism. According to the viewpoint of Synergetics, this paper constructs a financial regulatory synergy model of "local government, one line, three sessions". This paper calculates the coordination degree of county financial supervision, summarizes the internal problems and external factors that affect the coordination mechanism of county financial supervision, and emphasizes the harm of lack of financial supervision coordination through the analysis of actual cases. Finally. This paper proposes to amend the law to determine the leading position of the people's Bank of China; Clarify the central and local financial supervision authority; Make clear the work goal, construct the evaluation system; Detailed coordination mechanism design, enhance effectiveness and other suggestions to improve the county financial supervision coordination mechanism, and explore the construction of prominent people's Bank of China's leading position in financial supervision. The central bank and the local government jointly build a centralized and unified coordinated mechanism of financial supervision in the county, which provides a way to coordinate the central supervision and improve the effective construction of financial supervision.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.1

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