我国金融控股公司监管制度法律问题研究

发布时间：2017-12-31 05:28

本文关键词：我国金融控股公司监管制度法律问题研究　出处：《浙江大学》2017年硕士论文　论文类型：学位论文

【摘要】：混业经营是全球的趋势,而金融控股公司作为混业经营的一种形式,是我国当前开展综合化经营试点的主流选择。金融控股公司可以享受规模经济、范围经济和协同效应所带来的竞争优势,但是由于其组织结构的特殊性和复杂性,又有着不同于一般金融机构的风险。因此,如何对金融控股公司进行监管是一个值得深入研究的课题。世界发达国家的金融监管体系大致可分为伞形监管、统一监管和双峰监管,不同的监管体系有不同的优点。但是随着经济全球化和金融创新的日益活跃,金融监管滞后于金融市场的发展的弊端凸显,监管真空、监管套利、监管重叠等问题层出不穷。2007年爆发的次贷危机暴露出了许多金融监管中的问题,美、英等国随之对本国的金融监管体系进行了大刀阔斧的改革,美国赋予了美联储超级监管者的角色,英国也确立了以英格兰银行为核心的准双峰监管模式,而且两国吸取危机前系统性风险监管缺位的教训,改革后都设立了宏观审慎监管机构,以便及时识别、预警系统性金融风险。而反观我国,实践中发展起来的各类型金融控股公司对我国当前金融监管是一个巨大挑战,监管缺位下的野蛮生长对金融系统的安全稳定带来了诸多隐患。因此,改革我国金融控股公司监管制度迫在眉睫,我国应在借鉴其他国家和地区经验的基础上,结合我国国情,确立功能监管型双峰监管模式,从金融控股公司的市场准入和退出、公司内部控制、风险披露等方面建立健全金融控股公司监管制度,同时强化跨境监管,填补监管真空,打击监管套利,从而维护金融系统的安全稳定。
[Abstract]:Mixed operation is a global trend, and as a form of mixed operation, financial holding company is the mainstream choice to carry out comprehensive operation pilot. Financial holding company can enjoy economies of scale. The scope economy and the synergy effect bring the competitive advantage, but because of its organization structure particularity and the complexity, also has the risk which is different from the general financial institution. How to supervise the financial holding company is a topic worthy of further study. The financial regulatory system in developed countries can be divided into umbrella supervision, unified supervision and double peak supervision. Different regulatory systems have different advantages. But with the increasingly active economic globalization and financial innovation, financial regulation lags behind the development of financial markets highlighted the drawbacks, regulatory vacuum, regulatory arbitrage. In 2007, the subprime mortgage crisis exposed a lot of problems in financial supervision. The United States, Britain and other countries have carried out drastic reform of their financial regulatory system. The US has given the Fed the role of superregulator, the UK has established a quasi-bimodal regulatory model with the Bank of England at its core, and the two countries have learned from the lessons of the pre-crisis absence of systemic risk regulation. After the reform, macro-prudential regulatory agencies have been set up in order to identify and warn of systemic financial risks in a timely manner. The development of various types of financial holding companies in practice is a great challenge to China's current financial supervision. The barbaric growth under the absence of supervision has brought a lot of hidden dangers to the security and stability of the financial system. It is urgent to reform the supervision system of financial holding company in our country. On the basis of the experience of other countries and regions, we should establish the double peak supervision mode of functional supervision based on the national conditions of our country. From the financial holding company market access and withdrawal, the company internal control, risk disclosure and other aspects of the establishment of a sound financial holding company regulatory system, while strengthening cross-border regulation, filling the regulatory vacuum, and cracking down on regulatory arbitrage. To maintain the security and stability of the financial system.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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