【摘要】：金融監(jiān)管總是伴隨著金融創(chuàng)新和金融危機(jī)的發(fā)生而不斷演進(jìn)。2008年國(guó)際金融危機(jī)前,各國(guó)學(xué)者和金融監(jiān)管實(shí)務(wù)界聚焦于機(jī)構(gòu)監(jiān)管和功能監(jiān)管、分散監(jiān)管和統(tǒng)一監(jiān)管的改革爭(zhēng)論,而危機(jī)過后,另一種的監(jiān)管模式被引起廣泛關(guān)注——雙峰監(jiān)管模式(審慎監(jiān)管和行為監(jiān)管,分別以維護(hù)金融系統(tǒng)穩(wěn)定和保護(hù)金融消費(fèi)者權(quán)益為目標(biāo))。分別于1998年、2002年采用“雙峰監(jiān)管”模式澳大利亞和荷蘭能在危機(jī)中較好地恢復(fù)過來,而采用“雙重多頭”監(jiān)管的美國(guó)和“統(tǒng)一監(jiān)管”的英國(guó)卻因危機(jī)遭受重創(chuàng),金融消費(fèi)者權(quán)益被嚴(yán)重侵害。危機(jī)后,美英等國(guó)對(duì)本國(guó)既有的監(jiān)管哲學(xué)、監(jiān)管模式進(jìn)行反思,認(rèn)為應(yīng)加強(qiáng)金融機(jī)構(gòu)行為監(jiān)管,以保護(hù)金融消費(fèi)者權(quán)益,并在之后的金融監(jiān)管改革中均趨向于“雙峰監(jiān)管”模式。至此,行為監(jiān)管普遍受到前所未有的重視,與宏觀審慎監(jiān)管和微觀審慎監(jiān)管共同構(gòu)成危機(jī)后國(guó)際金融監(jiān)管改革的三條主線。危機(jī)后,我國(guó)在一定程度上吸取了國(guó)際金融改革經(jīng)驗(yàn),初步進(jìn)行了金融監(jiān)管改革,強(qiáng)調(diào)行為監(jiān)管和金融消費(fèi)者權(quán)益保護(hù),包括在“一行三會(huì)”內(nèi)部成立了金融消費(fèi)者保護(hù)部門,制定有關(guān)金融消費(fèi)者權(quán)益保護(hù)管理制度等。但在我國(guó)金融業(yè)混業(yè)經(jīng)營(yíng)逐步推進(jìn)、交叉性金融產(chǎn)品相互滲透和金融創(chuàng)新不斷加劇背景下,改革現(xiàn)有監(jiān)管模式,強(qiáng)化對(duì)金融機(jī)構(gòu)行為監(jiān)管和金融消費(fèi)者權(quán)益保護(hù)為大勢(shì)所趨。一般而言,金融監(jiān)管改革存在一定的路徑依賴。相比審慎監(jiān)管有完備的理論、成熟的經(jīng)驗(yàn)、和國(guó)際化標(biāo)準(zhǔn)體系,行為監(jiān)管在理論、經(jīng)驗(yàn)和標(biāo)準(zhǔn)上都顯得相對(duì)不足,因此,本文在對(duì)行為監(jiān)管理論進(jìn)行分析,總結(jié)澳大利亞、英國(guó)、美國(guó)等國(guó)金融監(jiān)管改革經(jīng)驗(yàn)的基礎(chǔ)上,充分結(jié)合我國(guó)金融業(yè)發(fā)展和監(jiān)管狀況及趨勢(shì),研究我國(guó)金融監(jiān)管改革的路徑,構(gòu)建我國(guó)行為監(jiān)管的框架體系。
[Abstract]:Financial supervision always evolves with financial innovation and financial crisis. Before the 2008 international financial crisis, scholars and practitioners of financial supervision in various countries focused on the reform of institutional supervision and functional supervision, decentralized supervision and unified supervision. In the aftermath of the crisis, another type of regulatory model has attracted widespread attention-the bimodal regulatory model (prudential regulation and behavioral regulation, aimed at maintaining the stability of the financial system and protecting the rights and interests of financial consumers, respectively). In 1998 and 2002, Australia and the Netherlands were able to recover better from the crisis by adopting the "double peak" model, while the United States and the United Kingdom, which adopted "dual long" regulation and "unified regulation", were hit hard by the crisis. Financial consumer rights and interests have been seriously infringed. After the crisis, the United States and Britain and other countries reflect on their existing regulatory philosophy, regulatory model, and think that we should strengthen the supervision of financial institutions to protect the rights and interests of financial consumers. And after the reform of financial supervision tend to "double peak supervision" mode. So far, behavioral supervision has received unprecedented attention, which, together with macro-prudential supervision and micro-prudential supervision, constitutes the three main lines of post-crisis international financial regulatory reform. After the crisis, China, to a certain extent, absorbed the experience of international financial reform and initially carried out financial regulatory reform, emphasizing behavioral supervision and the protection of the rights and interests of financial consumers, including the establishment of a financial consumer protection department within the "one line and three sessions". Formulate relevant financial consumer rights and interests protection management system. However, under the background of the gradual promotion of mixed operation of financial industry in China, the mutual penetration of cross financial products and the intensification of financial innovation, it is the general trend to reform the existing regulatory model and strengthen the supervision of financial institutions and the protection of the rights and interests of financial consumers. Generally speaking, the financial supervision reform has certain path dependence. Compared with prudential supervision, there is a complete theory, mature experience, and international standard system. Behavior supervision is relatively inadequate in theory, experience and standard. On the basis of the experience of financial supervision reform in Britain and the United States, this paper studies the path of China's financial supervision reform and constructs the framework system of our country's behavior supervision by fully combining the development and supervision situation and trend of China's financial industry.
【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】：2015
【分類號(hào)】：F832.1

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本文編號(hào)：2368572