本文選題：金融監(jiān)管　切入點(diǎn)：地方政府金融監(jiān)管　出處：《華南理工大學(xué)》2013年碩士論文

【摘要】：地方政府金融監(jiān)管職權(quán)是我國(guó)金融監(jiān)管體制的重要組成部分及市場(chǎng)經(jīng)濟(jì)下地方政府的重要職權(quán)之一�，F(xiàn)如今，中央政府與地方政府的金融監(jiān)管職權(quán)配置嚴(yán)重失衡，但是，加強(qiáng)地方政府的金融監(jiān)管職權(quán)確實(shí)存在多方面的客觀需求。本文主要從理論和實(shí)際基礎(chǔ)，現(xiàn)實(shí)需求，事實(shí)依據(jù)三方面闡述了地方政府行使金融監(jiān)管職權(quán)的必要性，認(rèn)為地方政府加強(qiáng)金融機(jī)構(gòu)監(jiān)管、實(shí)現(xiàn)監(jiān)管全覆蓋擁有地緣優(yōu)勢(shì)，適應(yīng)金融創(chuàng)新、堵塞金融市場(chǎng)監(jiān)管漏洞擁有信息優(yōu)勢(shì)，保護(hù)消費(fèi)者權(quán)益擁有動(dòng)力優(yōu)勢(shì)。另外，地方政府行使金融監(jiān)管職權(quán)，不僅國(guó)內(nèi)有現(xiàn)實(shí)需求，國(guó)外亦有類(lèi)似實(shí)踐，就其合理性而言，有利于彌補(bǔ)金融監(jiān)管信息不對(duì)稱(chēng)的缺陷，解決權(quán)力與責(zé)任不對(duì)等的問(wèn)題，適應(yīng)應(yīng)對(duì)地方金融風(fēng)險(xiǎn)的現(xiàn)實(shí)要求，以及符合市場(chǎng)經(jīng)濟(jì)條件下地方制度競(jìng)爭(zhēng)的要求。 論文還從地方政府金融監(jiān)管發(fā)展歷程著手分析，著重總結(jié)出了當(dāng)前地方政府金融監(jiān)管職權(quán)的問(wèn)題和矛盾，以及我國(guó)地方政府的金融監(jiān)管職權(quán)配置存在嚴(yán)重不對(duì)稱(chēng)，地方政府尚未承擔(dān)與其地位相適應(yīng)的監(jiān)管權(quán)限，金融監(jiān)管職權(quán)缺失的問(wèn)題。并且找出缺失問(wèn)題的根源主要與價(jià)值理念、制度架構(gòu)、利益機(jī)制相關(guān)聯(lián)，為進(jìn)一步改革地方政府金融監(jiān)管職權(quán)找到了癥結(jié)根源和重構(gòu)方向。 最后，提出完善地方政府金融監(jiān)管職權(quán)的建議，主要從金融監(jiān)管地方分權(quán)法治化框架的構(gòu)建、金融監(jiān)管目標(biāo)模式的建立、金融監(jiān)管機(jī)構(gòu)職能分工與協(xié)作機(jī)制的構(gòu)架等方面進(jìn)行分析。論文認(rèn)為，應(yīng)基于法治化視角處理中央政府與地方政府的關(guān)系，在憲政框架內(nèi)確立金融監(jiān)管的地方分權(quán)基本原則，以憲法或憲法性法律明確中央政府主導(dǎo)行使金融監(jiān)管職權(quán)，地方政府在本行政區(qū)劃內(nèi)享有對(duì)地方金融機(jī)構(gòu)或金融活動(dòng)的金融監(jiān)管職權(quán)。在金融監(jiān)管的價(jià)值取向上應(yīng)更注重安全與效率兼顧，在處理中央政府與地方政府的金融監(jiān)管機(jī)構(gòu)關(guān)系時(shí)應(yīng)注重合作共治，在權(quán)力運(yùn)行模式上更注重中央政府與地方政府金融監(jiān)管機(jī)構(gòu)的相互制衡。中央與地方分權(quán)框架形成后，，就必須對(duì)金融監(jiān)管機(jī)構(gòu)的職能分工與協(xié)作機(jī)制進(jìn)行設(shè)計(jì)，以形成科學(xué)合理、有效運(yùn)轉(zhuǎn)的制度體系。
[Abstract]:The financial supervision authority of local government is an important part of the financial supervision system of our country and one of the important functions and powers of the local government under the market economy. Nowadays, the allocation of financial supervision authority between the central government and the local government is seriously out of balance, but, There are many objective needs in strengthening the financial supervision authority of local government. This paper expounds the necessity of local government to exercise financial supervision authority from three aspects: theoretical and practical basis, realistic demand and factual basis. It is believed that local governments should strengthen the supervision of financial institutions, achieve full coverage of supervision and have geographical advantages, adapt to financial innovation, plug loopholes in financial market regulation, have information advantages, and protect consumers' rights and interests. In addition, The local government not only has the realistic demand at home, but also has the similar practice in foreign countries, which is helpful to remedy the deficiency of the information asymmetry of financial supervision and solve the problem of unequal power and responsibility, as far as its rationality is concerned. It adapts to the practical requirements of local financial risks and meets the requirements of local institutional competition under the market economy. The paper also analyzes the development course of local government financial supervision, and summarizes the problems and contradictions of local government financial supervision authority, as well as the serious asymmetry in the allocation of local government financial supervision authority in our country. The local government has not yet assumed the regulatory authority corresponding to its status, and the problem of the lack of financial supervision authority, and find out the root of the problem is mainly related to the value concept, institutional framework, interest mechanism, For the further reform of local government financial supervision authority to find the crux of the root cause and reconstruction direction. Finally, the paper puts forward some suggestions to improve the financial supervision authority of local governments, mainly from the construction of the framework of decentralization and legalization of financial supervision, and the establishment of the target model of financial supervision. This paper analyzes the function division of financial supervision institutions and the framework of coordination mechanism. The paper holds that the relationship between central government and local governments should be dealt with from the perspective of rule of law, and the basic principle of decentralization of financial supervision should be established within the framework of constitutionalism. The central government shall explicitly exercise the functions and powers of financial supervision by means of the constitution or constitutional laws, Local governments have the authority to supervise local financial institutions or financial activities within their respective administrative divisions. In the value orientation of financial supervision, they should pay more attention to both safety and efficiency. When dealing with the relationship between the central government and the local government, we should pay more attention to the cooperation and co-governance, and pay more attention to the checks and balances between the central government and the local government financial supervision institutions in the mode of power operation. It is necessary to design the functional division of labor and cooperation mechanism of financial supervision institutions in order to form a scientific and rational and effective operating system.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.1;D630

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