中国金融监管改革:逻辑与选择

发布时间：2019-07-13 16:49

【摘要】：一国金融监管架构和监管重点,与该国金融结构和金融风险的特性有密切关系。金融监管改革的基本逻辑是,金融结构渐进式、趋势性调整和由此引起的金融风险变化。当前,中国金融结构变化导致金融风险的来源发生重大变化,金融风险的性质和结构亦由此发生重要变化。中国金融监管改革的基本要点是:监管模式上,实现微观审慎监管与宏观审慎政策的协调和功能上的一致;监管架构上,在功能调整后的央行和赋予微观审慎监管功能的金融监督管理委员会的基础上,构建具有"双峰"形态的监管架构;监管重点从资本监管逐渐调整为资本监管与透明度监管并重;监管方式从传统监管逐步过渡到智能监管与传统监管相结合并渐进至以智能监管为主。
[Abstract]:The financial regulatory structure and regulatory focus of a country are closely related to the financial structure and the characteristics of financial risk in a country. The basic logic of financial supervision reform is the gradual adjustment of financial structure, the adjustment of trend and the change of financial risk caused by it. At present, the change of financial structure in China has led to great changes in the source of financial risk, and the nature and structure of financial risk have also undergone important changes. The basic points of China's financial supervision reform are as follows: in the regulatory mode, to realize the coordination and functional consistency between micro-prudential supervision and macro-prudential policy; in the regulatory framework, on the basis of the functional adjustment of the central bank and the financial supervision and management committee entrusted with micro-prudential supervision function, the regulatory structure with "bimodal" form is constructed, and the supervision focus is gradually adjusted from capital supervision to capital supervision and transparency supervision; The supervision mode gradually changes from the traditional supervision to the combination of the intelligent supervision and the traditional supervision, and gradually to the intelligent supervision.
【作者单位】：中国人民大学;中国人民大学财政金融学院;中国人民大学金融与证券研究所;
【分类号】：F832.1

【相似文献】