本文選題：金融監(jiān)管　切入點：理念　出處：《鄭州大學(xué)》2011年碩士論文

【摘要】：金融危機(jī)以來,盡管中國的金融業(yè)受金融危機(jī)的影響較小,但仍然存在或潛在的風(fēng)險仍然時刻提醒我們應(yīng)從國際金融監(jiān)管法制的完善對危機(jī)做出反思與總結(jié)。金融危機(jī)對中國既是機(jī)遇也是挑戰(zhàn),我們應(yīng)以此為契機(jī)順應(yīng)國際上金融業(yè)發(fā)展的趨勢,改革我國的金融業(yè)監(jiān)管體制。 本文在第一部分主要討論了金融監(jiān)管的內(nèi)涵、理論基礎(chǔ)、目標(biāo)、原則、模式、內(nèi)容、方法等基礎(chǔ)理論問題。在回顧了金融危機(jī)的演變歷程之后,針對后危機(jī)時代的特點提出應(yīng)以常態(tài)化、科學(xué)化的精神來建立金融監(jiān)管的長效機(jī)制。 本文第二部分回顧了金融危機(jī)前金融監(jiān)管法制概況,梳理了主要經(jīng)濟(jì)體和國際組織的金融監(jiān)管改革措施,并對當(dāng)今金融監(jiān)管國內(nèi)法層面和國際法層面改革中的問題作了評述。 本文第三部分對危機(jī)中暴露出的金融監(jiān)管法制漏洞作了探討。對于金融效率的過于推崇而忽視金融安全、宏觀審慎監(jiān)管的缺位、監(jiān)管的內(nèi)容未適應(yīng)虛擬經(jīng)濟(jì)的要求、監(jiān)管重疊與監(jiān)管真空并存、監(jiān)管套利引發(fā)“競次”以及國際監(jiān)管協(xié)作體系的式微是造就此次危機(jī)的原因。 中國的監(jiān)管模式根植于國內(nèi)的金融環(huán)境,域外的視角提供了經(jīng)驗和教訓(xùn),需要加上本上的智慧來消化和吸收。本文第四部分集中于如何完善我國的金融監(jiān)管法律制度這一命題。就金融監(jiān)管這樣一個層次、角度都異常豐富的宏大命題來說,至少應(yīng)當(dāng)包括以下方面的內(nèi)容：第一,立法理念上安全與效率并重,這要求我們?nèi)皂殞⒔鹑趧?chuàng)新置于重要的位置。第二,宏觀審慎應(yīng)當(dāng)于微觀機(jī)制中體現(xiàn),否則將成為缺乏制度依托的理念。第三,分業(yè)經(jīng)營與機(jī)構(gòu)監(jiān)管并非一一對應(yīng),而且我國應(yīng)在控制風(fēng)險的基礎(chǔ)上允許混業(yè)經(jīng)營,并配以功能監(jiān)管。監(jiān)管機(jī)構(gòu)的改革并不在于是“一行三會”或其他,而在于是否能以最小的成本取得最大的監(jiān)管收益,因此在現(xiàn)有體制下加強(qiáng)機(jī)構(gòu)間的權(quán)力協(xié)調(diào)是更好的選擇。第四,要加快金融機(jī)構(gòu)破產(chǎn)立法和相關(guān)制度的建設(shè),還要特別重視對金融創(chuàng)新產(chǎn)品的風(fēng)險監(jiān)管以及信用評級等中介機(jī)構(gòu)的規(guī)制。第五,保護(hù)消費者的理念是我國監(jiān)管文化中較為薄弱的,而這已經(jīng)在證券監(jiān)管中飽受抨擊。應(yīng)建立系統(tǒng)化的制度對各種情形下的金融消費者予以適當(dāng)?shù)谋Ｗo(hù),特別是應(yīng)借助私人執(zhí)法機(jī)制去充分發(fā)揮市場的自我調(diào)試作用。第六,加強(qiáng)國際協(xié)作并在該協(xié)作法律框架的構(gòu)建中發(fā)揮積極作用。
[Abstract]:Since the financial crisis, although China's financial industry is less affected by the financial crisis, but there are still existing or potential risks still remind us that we should reflect on and summarize the crisis from the perfection of the international financial supervision legal system.The financial crisis is not only an opportunity but also a challenge to China. We should take this opportunity to adapt to the development trend of the international financial industry and reform our financial industry supervision system.The first part of this paper mainly discusses the connotation, theoretical basis, objectives, principles, models, contents, methods and other basic theoretical issues of financial supervision.After reviewing the evolution of the financial crisis, the author puts forward that the long-term mechanism of financial supervision should be established in the spirit of normality and scientization in view of the characteristics of the post-crisis era.The second part of this paper reviews the legal situation of financial supervision before the financial crisis, combs the reform measures of financial supervision in major economies and international organizations, and makes a comment on the problems in the reform of financial supervision at the level of domestic law and international law.The third part of this paper discusses the legal loopholes of financial supervision exposed in the crisis.For financial efficiency too much to neglect financial security, macro-prudential supervision of the absence, the content of regulation does not meet the requirements of the virtual economy, regulatory overlap and regulatory vacuum coexist,Regulatory arbitrage triggered the race and the decline of the international regulatory coordination system was the cause of the crisis.China's regulatory model is rooted in the domestic financial environment, the extraterritorial perspective provides experience and lessons, need to add wisdom to digest and absorb.The fourth part focuses on how to perfect the legal system of financial supervision in China.As far as the grand proposition of financial supervision is concerned, we should at least include the following aspects: first, we should attach equal importance to safety and efficiency in legislation, which requires us to still put financial innovation in an important position.Second, macro-prudence should be reflected in micro-mechanism, otherwise, it will become the concept of lack of institutional support.Third, separate operation and institutional supervision are not one-to-one correspondence, and our country should allow mixed operation on the basis of controlling risks, and be accompanied by functional supervision.Regulatory reform is not about "three sessions" or anything else, but about whether maximum regulatory benefits can be achieved at minimal cost, so strengthening institutional coordination under the existing system is a better option.Fourth, we should speed up the construction of bankruptcy legislation and related systems of financial institutions, and pay special attention to the risk supervision of financial innovation products and the regulation of intermediary institutions such as credit rating.Fifth, the concept of consumer protection is weak in China's regulatory culture, which has been criticized in securities regulation.A systematic system should be set up to protect the financial consumers under various circumstances, especially the private law enforcement mechanism should be used to give full play to the self-debugging role of the market.Sixth, strengthen international cooperation and play an active role in the construction of the legal framework.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2011
【分類號】：D996.2

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