【摘要】：2008年美國的金融危機(jī)波及全世界。危機(jī)不僅沉重打擊了金融業(yè)也令實(shí)體經(jīng)濟(jì)遭受了巨大的挑戰(zhàn),如何更好的應(yīng)對危機(jī),如何變危機(jī)為機(jī)遇,如何在危機(jī)中能獨(dú)占鰲頭成為各國思考的難題。各國紛紛提出金融監(jiān)管改革方案,加強(qiáng)監(jiān)管力度,調(diào)整本國的金融市場。國際經(jīng)濟(jì)組織也積極發(fā)揮自身的監(jiān)管號召力,巴塞爾委員會制定新的巴塞爾協(xié)議規(guī)范銀行的資本運(yùn)營；G2O峰會多次磋商,討論如何建立統(tǒng)一的監(jiān)管標(biāo)準(zhǔn),規(guī)范國際金融活動。在經(jīng)歷了經(jīng)濟(jì)自由化的監(jiān)管模式后,全球的金融監(jiān)管重新回歸到政府監(jiān)管為主的軌道上。 中國的金融監(jiān)管模式是分業(yè)監(jiān)管,在中國人民銀行的指導(dǎo)下,銀監(jiān)會、證監(jiān)會、保監(jiān)會分別執(zhí)行監(jiān)管職能。在經(jīng)濟(jì)全球化、金融國際化的背景下,中國的金融監(jiān)管制度亟待完善。改革中國金融監(jiān)管不僅有利于金融機(jī)構(gòu)的正常規(guī)范運(yùn)行,降低風(fēng)險(xiǎn),還有助于金融機(jī)構(gòu)參與國際金融市場,提升國際競爭力,更有效的提供金融服務(wù)。 本文主要分析西方發(fā)達(dá)國家的金融監(jiān)管的改革方案以及國際金融組織的改革方向,并結(jié)合我國金融分業(yè)監(jiān)管的實(shí)際,提出適合我國的可行性建議。本文的正文部分可分為四個部分。 第一部分主要分析了美國、歐洲、英國以及國際金融組織在金融危機(jī)后的金融監(jiān)管的改革。發(fā)達(dá)國家針對本國的監(jiān)管以及金融危機(jī)的影響提出了建立宏觀審慎的監(jiān)管框架,防范系統(tǒng)性風(fēng)險(xiǎn),并對消費(fèi)者和投資者提出了監(jiān)管保護(hù)的建議。國際金融組織提出了嚴(yán)格的金融監(jiān)管要求,抑制金融自由化帶來的風(fēng)險(xiǎn)的國際波動。 第二部分總結(jié)了國際金融監(jiān)管的整體改革趨勢。國際金融監(jiān)管應(yīng)逐步實(shí)現(xiàn)建立宏觀審慎的監(jiān)管框架,提高監(jiān)管的執(zhí)行力度,在宏觀層面上實(shí)現(xiàn)監(jiān)管目標(biāo)。強(qiáng)化對投資者、消費(fèi)者的保護(hù),建立保險(xiǎn)消費(fèi)者的專門機(jī)構(gòu)。監(jiān)管模式由針對單-機(jī)構(gòu)的機(jī)構(gòu)型監(jiān)管逐步過渡到監(jiān)管金融業(yè)務(wù)的功能型監(jiān)管,并在國際金融監(jiān)管合作方向加強(qiáng)力度,參與國際金融新秩序的構(gòu)建。 第三部分分析了中國現(xiàn)行的分業(yè)監(jiān)管的弊端以及問題。分業(yè)監(jiān)管是與分業(yè)經(jīng)營相適應(yīng)的監(jiān)管模式,在混業(yè)經(jīng)營逐漸深入的情況下,中國應(yīng)改變這種監(jiān)管模式,提高監(jiān)管能力,提升監(jiān)管效率。 第四部分綜合以上對中國金融監(jiān)管的分析,提出我國金融監(jiān)管的改革建議。建立宏觀審慎的監(jiān)管框架,并實(shí)現(xiàn)宏觀與微觀監(jiān)管的有效配合,提高監(jiān)管的執(zhí)行力。加強(qiáng)流動性風(fēng)險(xiǎn)的監(jiān)管力度,從根本上防范系統(tǒng)性風(fēng)險(xiǎn)。相關(guān)部門完善金融監(jiān)管相關(guān)法律和法規(guī)的建設(shè),并與國際接軌,加強(qiáng)監(jiān)管合作,積極參與國際政治經(jīng)濟(jì)新秩序的構(gòu)建,并考慮適時(shí)推出存款保險(xiǎn)制度,完善我國的監(jiān)管體系。
[Abstract]:The 2008 financial crisis in the United States affected the world. The crisis not only hit the financial industry severely, but also made the real economy suffer enormous challenges. How to deal with the crisis better, how to turn the crisis into an opportunity, how to dominate the crisis has become a difficult problem for all countries to think about. Countries have put forward financial supervision reform plan, strengthen supervision and adjust their financial markets. International economic organizations also actively exert their regulatory appeal. The Basel Committee has formulated a new Basel Accord to regulate the capital operation of banks and discussed how to establish a unified regulatory standard and regulate international financial activities through many consultations at the G2O summit. After experiencing the mode of economic liberalization, the global financial supervision has returned to the track of government supervision. Under the guidance of the people's Bank of China, the Banking Regulatory Commission, the Securities Regulatory Commission and the Insurance Regulatory Commission perform their respective regulatory functions. Under the background of economic globalization and financial internationalization, China's financial supervision system needs to be improved. The reform of China's financial supervision is not only conducive to the normal operation of financial institutions and reduce risks, but also helps financial institutions to participate in the international financial market, enhance international competitiveness, and provide financial services more effectively. This paper mainly analyzes the reform plan of financial supervision in western developed countries and the reform direction of international financial organizations, and puts forward some feasible suggestions suitable for our country. The text of this paper can be divided into four parts. The first part mainly analyzes the reform of financial supervision in the United States, Europe, Britain and international financial organizations after the financial crisis. Developed countries put forward a macro-prudential regulatory framework to guard against systemic risks and put forward suggestions for consumers and investors to protect themselves against the impact of their own supervision and financial crisis. The international financial organizations put forward strict financial supervision requirements to restrain the international fluctuation of the risks brought by financial liberalization. The second part summarizes the overall reform trend of international financial supervision. International financial supervision should gradually realize the establishment of macro-prudential regulatory framework, enhance the enforcement of supervision, and achieve the goal of supervision on the macro level. Strengthen the protection of investors and consumers, and establish special institutions for insurance consumers. The mode of supervision is from institutional supervision for single institution to functional supervision for supervision of financial business, and to strengthen cooperation in international financial supervision and participate in the construction of new international financial order. The third part analyzes the drawbacks and problems of China's current separate supervision. Separate supervision is a kind of supervision mode suitable for separate operation. Under the condition of gradual deepening of mixed operation, China should change this mode of supervision, improve the ability of supervision and enhance the efficiency of supervision. The fourth part synthesizes the above analysis of China's financial supervision, and puts forward the reform suggestions of China's financial supervision. To establish a macro-prudential regulatory framework, and to achieve the effective coordination between macro-and micro-supervision, and improve the executive power of supervision. Strengthen the supervision of liquidity risk, fundamentally prevent systemic risk. The relevant departments should perfect the construction of relevant laws and regulations of financial supervision, integrate with international standards, strengthen supervision and cooperation, actively participate in the construction of a new international political and economic order, and consider the timely introduction of deposit insurance system to perfect the regulatory system of our country.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.1

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本文編號：2191471