地方金融监管分权:协同缺失与补正路径

发布时间：2019-06-14 01:10

【摘要】：顺应地方金融扩张的发展趋势,超越国家整齐划一的中央垂直金融监管模式,可将金融监管类型化为中央金融监管与地方金融监管,实现金融监管的地方性分权设计。在既有金融监管框架之下,地方金融监管格局已现雏形,但业已进行的金融监管权分置举措实为地方金融具体性事项的监管权下移,缺乏整体性、系统化的金融监管权分置安排。地方金融监管权的系统化配置,须遵循"分置-协同"互动的监管改革路径。在地方金融监管的分权改革中,须确立地方金融监管新范式,即实行中央督察式省级以下垂直监管,同时也应凸显社会权力与民间法在地方金融监管中所应有的地位。
[Abstract]:In line with the development trend of local financial expansion and beyond the uniform central vertical financial supervision model, financial supervision can be transformed into central financial supervision and local financial supervision, and the local decentralized design of financial supervision can be realized. Under the existing financial supervision framework, the local financial supervision pattern has taken shape, but the existing measures of dividing the financial supervision power are the downward shift of the supervision power of the local financial concrete matters, and lack of a holistic and systematic arrangement of the separation of the financial supervision power. The systematic allocation of local financial supervision power should follow the interactive regulatory reform path of "split structure and coordination". In the decentralized reform of local financial supervision, it is necessary to establish a new paradigm of local financial supervision, that is, to carry out vertical supervision below the provincial level by central supervision, and at the same time to highlight the due position of social power and private law in local financial supervision.
【作者单位】：西南政法大学;
【基金】：国家社科基金重大项目“创建与完善我国民间金融监管协调机制研究”(编号:14ZDA045) 重庆市研究生科研创新项目“我国银行业统一规制研究”(编号:CYB16081) 西南政法大学研究生科研创新项目“中央与地方金融监管权责配置研究”(编号:XZYJS2015017)
【分类号】：F832.1

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