【摘要】：2008年的美國(guó)次貸危機(jī)為全世界敲響了警鐘:一國(guó)已不能獨(dú)善其身,經(jīng)濟(jì)全球化正將世界各國(guó)緊密聯(lián)系起來(lái),利益與風(fēng)險(xiǎn)共擔(dān)。危機(jī)的迅速蔓延讓使世界各國(guó)達(dá)成共識(shí),必須建立起國(guó)際金融監(jiān)管合作框架體系以協(xié)調(diào)全球金融風(fēng)險(xiǎn)。 目前關(guān)于國(guó)際金融監(jiān)管合作的法律文件主要包括:巴塞爾委員會(huì)制定的巴塞爾系列協(xié)議、國(guó)際證監(jiān)會(huì)和國(guó)際保險(xiǎn)監(jiān)管委員會(huì)發(fā)布的對(duì)證券、保險(xiǎn)業(yè)監(jiān)管的法律文件、WTO、國(guó)際貨幣基金組織等國(guó)際組織發(fā)布的法律文件中有關(guān)國(guó)際金融監(jiān)管合作方面的內(nèi)容以及G20、達(dá)沃斯論壇等國(guó)際性論壇所達(dá)成的共識(shí)和在其領(lǐng)導(dǎo)下建立的相關(guān)制度。從總體看國(guó)際社會(huì)對(duì)國(guó)際金融監(jiān)管合作的法律規(guī)制主要以巴塞爾協(xié)議為代表的“軟法”為主,以正式國(guó)際組織發(fā)布的“硬法”為輔,在這兩方面的共同作用下逐漸形成國(guó)際、地區(qū)和國(guó)家間三個(gè)層面的國(guó)際金融監(jiān)管合作,國(guó)際金融監(jiān)管合作正發(fā)展并成熟起來(lái)。 然而,盡管世界各國(guó)已開始共同努力進(jìn)行國(guó)際金融監(jiān)管合作,但國(guó)際金融監(jiān)管法律制度仍存在著很大的問(wèn)題,如法律文件缺乏強(qiáng)制約束力、監(jiān)管利益不平衡、監(jiān)管被動(dòng)等等,這些問(wèn)題阻礙了國(guó)際金融監(jiān)管合作法律制度的完善也為未來(lái)金融危機(jī)的發(fā)生埋下了隱患。針對(duì)這些問(wèn)題筆者提出了建立健全國(guó)際金融監(jiān)管合作法律制度的具體構(gòu)想,提出應(yīng)當(dāng)建立起多層面、多角度的監(jiān)管合作,并希望各國(guó)不要盲目追求監(jiān)管標(biāo)準(zhǔn)的完全統(tǒng)一,而應(yīng)當(dāng)更加務(wù)實(shí)、更加審慎,在國(guó)際金融監(jiān)管最低標(biāo)準(zhǔn)下,按照本國(guó)實(shí)際情況制定國(guó)內(nèi)監(jiān)管法律法規(guī),以達(dá)到更好的監(jiān)管效果。 同時(shí),我國(guó)也應(yīng)當(dāng)加入到國(guó)際金融監(jiān)管合作中來(lái),積極爭(zhēng)取話語(yǔ)權(quán),充分表達(dá)本國(guó)利益,與各國(guó)一起共同制定國(guó)際金融監(jiān)管合作法律法規(guī),并在這個(gè)過(guò)程中與別國(guó)溝通交流,不斷借鑒先進(jìn)經(jīng)驗(yàn),根據(jù)我國(guó)金融業(yè)實(shí)際情況制定國(guó)內(nèi)金融監(jiān)管標(biāo)準(zhǔn),爭(zhēng)取取得金融監(jiān)管水平和金融市場(chǎng)發(fā)展的共同進(jìn)步。
[Abstract]:The American subprime mortgage crisis in 2008 sounded the alarm for the world: a country can no longer be left alone, economic globalization is closely linked to the world, the interests and risks are shared. The rapid spread of the crisis has made the world reach a consensus that it is necessary to establish a framework system of international financial supervision and cooperation to coordinate global financial risks. At present, the legal documents on international financial regulatory cooperation mainly include: Basel series agreements formulated by the Basel Committee, securities issued by the International Securities Regulatory Commission and the International Insurance Regulatory Committee. Legal documents on insurance regulation, international legal documents issued by the International Monetary Fund and other international organizations on international financial regulatory cooperation, as well as the consensus reached in international forums such as G20, Davos and other international forums, as well as the international legal documents issued by international organizations such as the International Monetary Fund. The relevant system established under the leadership. On the whole, the international community's legal regulation on international financial supervision and cooperation is mainly "soft law" represented by the Basel Accord, supplemented by "hard law" issued by formal international organizations. Under the joint action of these two aspects, the international law is gradually formed. Three levels of international financial supervision cooperation between regions and countries are developing and maturing. However, although countries all over the world have begun to make joint efforts to cooperate in international financial supervision, there are still many problems in the legal system of international financial supervision, such as the lack of binding force in legal documents, the imbalance of regulatory interests, the passivity of supervision, and so on. These problems have hindered the perfection of the legal system of international financial supervision and cooperation, and buried hidden trouble for the future financial crisis. In view of these problems, the author puts forward the concrete idea of establishing and perfecting the legal system of international financial supervision cooperation, and puts forward that the multi-level and multi-angle supervision cooperation should be established, and hopes that countries will not blindly pursue the complete unification of regulatory standards. But should be more pragmatic, more prudent, in the international financial supervision minimum standard, according to the domestic actual situation to formulate the domestic regulatory laws and regulations, in order to achieve better regulatory effect. At the same time, China should also join in international financial regulatory cooperation, actively strive for the right to speak, fully express its own interests, work with other countries to formulate laws and regulations on international financial supervision and cooperation, and communicate and exchange with other countries in the process. Drawing lessons from the advanced experience, we should make the domestic financial supervision standard according to the actual situation of our country's financial industry, and strive to obtain the common progress of the financial supervision level and the development of the financial market.
【學(xué)位授予單位】：中國(guó)海洋大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類號(hào)】：D996.2

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 李金曉;金融監(jiān)管國(guó)際合作研究[D];天津財(cái)經(jīng)大學(xué);2012年

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本文編號(hào)：2187364