發(fā)布時間：2018-05-19 22:14

  本文選題：監(jiān)管框架 + 監(jiān)管協(xié)調(diào)��； 參考：《山東大學(xué)》2013年碩士論文

【摘要】：金融市場的蓬勃發(fā)展加速了全球經(jīng)濟一體化戰(zhàn)略的逐漸形成,隨著全球金融市場的不斷發(fā)展,金融監(jiān)管成了多數(shù)市場經(jīng)濟體制國家監(jiān)督金融活動、管理金融領(lǐng)域的主要方式。在金融市場規(guī)模和體系不斷拓展和完善的今天,金融監(jiān)管在保障金融市場合理化、科學(xué)化和法制化的過程中都發(fā)揮出了重要的作用�；诮鹑谑袌鲈谖覈�(jīng)濟發(fā)展過程中所承載的重要意義,本文就我國金融監(jiān)管方式等一系列問題進行一番了探。 在探究我國金融監(jiān)管方式的過程中,本文首先對金融監(jiān)管的基本內(nèi)容進行了簡要的概述,并從金融體系、金融市場信息以及金融發(fā)展速度三個角度闡述了金融監(jiān)管發(fā)展的必要性。在研究我國金融市場信息的過程中發(fā)現(xiàn),信息的不對稱性和不夠完備是阻礙金融市場健康良好發(fā)展的主要因素,而金融體系的脆弱性和外部性等自身固有的屬性都決定了金融市場的發(fā)展必須有金融監(jiān)管發(fā)揮相應(yīng)的監(jiān)督管理職能,才能保證金融市場符合我國法制化建設(shè)的要求。隨著我國社會與經(jīng)濟建設(shè)的不斷發(fā)展和完善,金融業(yè)也表現(xiàn)出了強勁的發(fā)展勢頭。在近幾年的經(jīng)濟運行過程中,金融業(yè)在我國社會經(jīng)濟建設(shè)中扮演了越來越重要的角色,逐漸升級為促進我國國民經(jīng)濟加速增長的中流砥柱,所以金融市場的規(guī)模呈現(xiàn)出逐年擴大、逐年增長的趨勢。雖然規(guī)模的不斷擴大和金融活動的不斷增多,進一步加速了我國金融監(jiān)管體制建設(shè)進程的挺進,但是隨著金融企業(yè)的不斷增加,金融活動開展的數(shù)量越來越多,金融活動中的各種風(fēng)險因素也隨之增加。為了進一步有效地規(guī)范金融市場、監(jiān)督金融企業(yè)、管理金融活動,實現(xiàn)金融市場發(fā)展可以為我國各項建設(shè)事業(yè)起到良好促進作用的目的,金融市場的一系列監(jiān)督管理措施隨之出臺,這給金融業(yè)的合理、合法、合規(guī)發(fā)展提供了有力的保障。 金融監(jiān)管體系的出臺,給我國金融市場的發(fā)展提供了良好的支持。在金融監(jiān)管的發(fā)展督促下,我國金融市場初步達到了合理化、合規(guī)化、法制化發(fā)展的目的。但是由于我國社會建設(shè)和經(jīng)濟發(fā)展的速度過快,金融市場的發(fā)展也表現(xiàn)出了不可忽視的高效性,這就暴露出我國金融監(jiān)管發(fā)展的滯后性。目前我國金融市場受全球經(jīng)濟一體化的影響,正在逐步朝向證券化、復(fù)雜化、微觀化、多元化和國際化的方向發(fā)展,這就給金融市場中金融活動的監(jiān)督和管理提出了新的挑戰(zhàn)。 為了進一步研究我國金融監(jiān)管方式存在的不足與缺陷,本文以美國為例對其金融監(jiān)管的發(fā)展脈絡(luò)進行了介紹；然后對我國金融監(jiān)管的體制沿革與現(xiàn)狀進行了分析、總結(jié)和歸納,得出目前我國金融監(jiān)管方式在監(jiān)管模式、監(jiān)管目標、監(jiān)管措施等方面存在的缺陷,以及金融監(jiān)管體制還不健全無法應(yīng)對混業(yè)經(jīng)營提出的挑戰(zhàn)等結(jié)論。 在摸清了當(dāng)前我國金融監(jiān)管存在的局限性因素之后,本文比較分析了美國金融監(jiān)管改革法案的主要內(nèi)容,結(jié)合我國經(jīng)濟發(fā)展和社會建設(shè)的實際情況,給出了改善目前我國金融監(jiān)管方式的對策建議：提出了轉(zhuǎn)變金融監(jiān)管思路以鞏固中國人民銀行的核心地位、加強金融信息資源的建設(shè)與管理、加強金融監(jiān)管的國際合作；為應(yīng)對可能存在的系統(tǒng)性風(fēng)險,監(jiān)管機構(gòu)應(yīng)該加強自身的組織建設(shè),權(quán)責(zé)明確以增強其監(jiān)管獨立性與協(xié)調(diào)能力；在加強社會和中介機構(gòu)的輔助性監(jiān)管,加強金融監(jiān)管法制化的同時,也要注重發(fā)揮監(jiān)管部門在監(jiān)管實踐中的主觀能動性等諸如此類的改進措施,以使我國的金融監(jiān)管朝向更加健康良好的方向發(fā)展。
[Abstract]:The rapid development of financial markets has accelerated the gradual formation of the global economic integration strategy . With the development of global financial markets , financial supervision has become the main way to supervise the financial activities and manage the financial field .

In the process of exploring the way of financial supervision in China , this article firstly summarizes the basic contents of financial supervision , and expounds the necessity of financial supervision and development from three angles of financial system , financial market information and financial development speed .

The introduction of financial supervision system provides good support for the development of financial market in China . Under the supervision of the development of financial supervision , China ' s financial market has reached the goal of rationalization , compliance and legalization . However , because of the rapid development of our country ' s social construction and economic development , the development of financial market has also shown a non - negligible effect . At present , China ' s financial market is being developed in the direction of securitisation , complexity , microcosmic , diversification and internationalization , which poses a new challenge to the supervision and management of financial activity in financial markets .

In order to further study the shortcomings and shortcomings of China ' s financial supervision system , this paper gives an introduction to the development of financial supervision in the United States .
Then , the paper analyses , summarizes and sums up the institutional evolution and the current situation of financial supervision in China , and concludes that the current financial supervision system has some defects in the supervision mode , the supervision target , the supervision measures and so on , and the financial supervision system is not perfect and cannot meet the challenges of the mixed operation .

After the author finds out the limitation factor existing in China ' s financial supervision , this paper compares the main contents of the American financial supervision reform bill , and gives some suggestions on how to improve our country ' s financial supervision in the light of the actual situation of our country ' s economic development and social construction : the paper puts forward the countermeasures to change the financial supervision way in China : put forward the idea of changing financial supervision to consolidate the core position of the People ' s Bank of China , strengthen the construction and management of financial information resources , and strengthen the international cooperation of financial supervision ;
In order to deal with the systemic risks that may exist , regulators should strengthen their own organizational construction , with a clear mandate to enhance their regulatory independence and coordination capacity ;
At the same time , we should pay attention to the improvement measures such as subjective initiative and so on in the supervision practice , so as to make our country ' s financial regulation develop in a more healthy direction .
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.1

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本文編號：1911912