国内金融理财市场规制问题研究
发布时间:2018-03-19 15:59
本文选题:金融理财 切入点:政策分析 出处:《上海交通大学》2013年硕士论文 论文类型:学位论文
【摘要】:公共规制分为“法规”和“管制”,其产生主要源于自然垄断。当前,我国金融理财市场的产品主要由银行、券商基金、信托和保险等金融机构提供。由于金融理财具有公共产品的属性,存在负外部性效应,同时在交易过程中,投资者往往处于信息不对称或信息不完全的地位等原因,因此为了维护公众利益,政府有必要通过行政和法律等手段对金融理财市场实施金融规制。 我国金融理财市场现有规制体系中主要存在三大问题:首先,金融理财市场根据发行产品的金融机构不同,分别受银监会、证监会和保监会监管,分业监管的模式容易出现监管空白或交叉监管的问题;其次,投资者将理财视同存款,误以为是刚性兑付,导致投资者与金融机构时常发生纠纷;最后,行业协会等自律组织并未完全发挥作用,民间规制措施匮乏。因此,通过对上述三大问题进行研究,,提出解决方案,对于稳定金融理财行业,保护投资者,具有重要的现实意义。 本文首先阐述了选题意义,并对先行研究进行了文献综述;其次就国内金融理财市场的的现状进行阐述;再次从分业监管模式、合格投资者界定及行业自律三方面对当前国内金融理财市场规制中存在的问题进行了分析,尤其对法制体系问题、市场监管问题以及经营业务问题等进行了专门性的考察。在第四章中,对美国、德国及日本在商业银行个人理财业务方面的规制进行了梳理和归纳。在第五章中,针对中国存在的问题,提出解决问题的对策。最后,在上述研究的基础上,提出了一个以效率优先为监管目标,以鼓励创新为政策宗旨,以和谐稳定为治理目标,稳健发展金融理财市场规制的建设性思路。
[Abstract]:Public regulation is divided into "regulations" and "regulations", which are mainly derived from natural monopolies. At present, the products of financial management market in China are mainly composed of banks and securities funds. Financial institutions such as trust and insurance provide. Because financial management has the property of public goods, there are negative externalities, and in the course of trading, investors are often in the position of information asymmetry or incomplete information. Therefore, in order to protect the public interest, it is necessary for the government to regulate the financial management market by administrative and legal means. There are three major problems in the current regulatory system of financial management market in China. Firstly, according to the different financial institutions issuing products, the financial financial management market is supervised by the CBRC, CSRC and CIRC respectively. The mode of separate supervision is prone to the problem of regulation blank or cross-regulation. Secondly, investors treat financial management as deposits, mistaking it as rigid payment, which leads to frequent disputes between investors and financial institutions. Finally, Self-regulatory organizations, such as trade associations, have not played a full role, and folk regulation measures are lacking. Therefore, through the study of the three major problems mentioned above, solutions are put forward to stabilize the financial management industry and protect investors. It has important practical significance. This article first elaborated the topic significance, and carried on the literature summary to the first research; secondly to the domestic financial management market present situation carries on the elaboration; again from the separation supervision pattern, This paper analyzes the problems existing in the regulation of domestic financial management market in three aspects: the definition of qualified investors and industry self-discipline, especially the legal system. In chapter 4th, the regulation of personal finance business of commercial banks in the United States, Germany and Japan is analyzed and summarized. In chapter 5th, the regulation of personal finance business of commercial banks is summarized. According to the existing problems in China, the countermeasures are put forward. Finally, on the basis of the above research, the paper puts forward a policy aim of efficiency first, encouraging innovation as policy purpose, and harmony and stability as governance goal. Steady development of financial management market regulation constructive ideas.
【学位授予单位】:上海交通大学
【学位级别】:硕士
【学位授予年份】:2013
【分类号】:F832.5
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