从次贷危机析我国离岸金融监管法制的完善

发布时间：2018-04-22 14:16

本文选题：离岸金融 + 金融风险　；参考：《湖南大学》2011年硕士论文

【摘要】：离岸金融是高度国际化、自由化的产物,凭借其高效率、高回报的融资功能,短短半个世纪已发展成为现代金融的重要组成部分,在国际金融竞争中发挥着重要作用。但离岸金融是把双刃剑,由于其两头在外的特征,与在岸金融相比其金融风险被明显放大,相应地也加大了监管的难度。历史的实践证明,金融改革总是与金融危机相伴而生,在这次由次贷引发的金融危机中,美国、德国、英国等纷纷对自己的金融监管法制进行改革,同时指出离岸金融中心在金融危机中发挥了不可小视的作用。我国离岸金融起步二十年有余,与美国、马来西亚等相比,法制建设明显落后,在监管理念、监管模式、业务监管制度、风险监管制度、退出监管制度等方面存在诸多缺陷,是阻碍我国离岸金融市场建设的重要因素。因此,我们要全面参与到国际金融竞争中并争取国际金融秩序的话语权,就必须在离岸金融市场的构建中加强我国的离岸金融法制建设。同时,金融危机启示我们,法律移植不应当是盲目照搬的过程,即便是美国、马来西亚等金融监管法制比较完善的国家,其金融监管法制也存在一定的缺陷与漏洞,国情的特殊性也要求我们在法律移植中保持更多的理性。同时,我国的离岸金融监管法制的完善也应当具备一定的前瞻性,从世界大多数离岸金融中心的发展来看,除了我国目前试点推行的离岸货币市场,离岸证券市场也应当是离岸金融市场的重要组成部分,在我国离岸金融监管法制构建的过程中也应当重视这方面的研究与借鉴。
[Abstract]:Offshore finance, a product of high internationalization and liberalization, has developed into an important part of modern finance in just half a century with its high efficiency and high returns. But offshore finance plays an important role in international financial competition. But offshore finance is a double-edged sword, characterized by its two sides and its finance compared with shore finance. The risk has been significantly enlarged, which has also increased the difficulty of supervision.
The practice of history has proved that the financial reform is always accompanied by the financial crisis. In the financial crisis triggered by the subprime mortgage, the United States, Germany and the United Kingdom have reformed their own financial regulatory legal system. At the same time, it points out that the offshore financial center has played an unnegligible role in the financial crisis.
There are more than twenty years of offshore finance in China. Compared with the United States and Malaysia, the legal construction is obviously backward. There are many defects in the supervision concept, supervision mode, business supervision system, risk regulation system and exit supervision system. It is an important factor that hinders the construction of offshore financial market in China. Therefore, we should take part in the country in an all-round way. In the competition of international finance and the right to speak for the international financial order, we must strengthen our offshore financial legal system in the construction of offshore financial market.
At the same time, the financial crisis enlightens us that legal transplantation should not be a blind copy of the process, even in the United States, Malaysia and other countries with relatively perfect financial regulatory legal system, its financial regulatory legal system also has a certain defect and loopholes, the particularity of the national conditions also requires us to maintain more rational in law transplantation. Meanwhile, the offshore of our country The improvement of the legal system of financial supervision should also be forward-looking. From the development of the most offshore financial centers in the world, the offshore securities market should be an important part of the offshore financial market besides the offshore currency market that is being carried out in our country at present. It should also be heavy in the process of building off shore financial supervision and regulation in China. Look at this aspect of research and reference.

【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D996.2;D922.28;F832.6

【参考文献】