本文關(guān)鍵詞：宏觀審慎監(jiān)管框架構(gòu)建的國際經(jīng)驗(yàn)與中國實(shí)踐　出處：《中共中央黨�！�2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 宏觀審慎監(jiān)管 系統(tǒng)性風(fēng)險(xiǎn) 順周期性 系統(tǒng)重要性機(jī)構(gòu)

【摘要】：2007年由美國次貸危機(jī)所引發(fā)的國際金融危機(jī)給世界經(jīng)濟(jì)帶來了沉重的打擊，造成了極大的經(jīng)濟(jì)損失，世界經(jīng)濟(jì)至今仍未完全恢復(fù)元?dú)狻Ｈ欢�，辯證地來看，每一次的危機(jī)也是一次對(duì)金融體系的健康檢查，可以診斷出金融體系中存在的缺陷，從而也賦予了金融體系一次升級(jí)進(jìn)化的機(jī)會(huì)。 本次危機(jī)給我們帶來的一個(gè)重要教訓(xùn)是，僅僅關(guān)注個(gè)體金融機(jī)構(gòu)的穩(wěn)健性是不夠的，應(yīng)該關(guān)注威脅金融體系整體穩(wěn)健性的系統(tǒng)性金融風(fēng)險(xiǎn)。于是在危機(jī)后，宏觀審慎監(jiān)管成為了彌補(bǔ)現(xiàn)有金融監(jiān)管體系缺陷的一份良藥，各國也紛紛啟動(dòng)了以宏觀審慎監(jiān)管為核心的金融監(jiān)管改革。對(duì)于我國來說，宏觀審慎的監(jiān)管理念對(duì)提高我國的金融監(jiān)管水平，維護(hù)我國的金融穩(wěn)定也有著十分積極的意義。 本文首先通過對(duì)宏觀審慎監(jiān)管的相關(guān)理論分析，明晰了宏觀審慎監(jiān)管的概念以及在金融穩(wěn)定框架中的定位，并從時(shí)間維度和空間維度對(duì)系統(tǒng)性風(fēng)險(xiǎn)的形成機(jī)制進(jìn)行了分析和梳理，促進(jìn)了對(duì)順周期性效應(yīng)、“大而不倒”、共同風(fēng)險(xiǎn)敞口等問題的理解，，為宏觀審慎監(jiān)管的實(shí)踐提供了理論基礎(chǔ)。然后，通過對(duì)宏觀審慎監(jiān)管框架改革的國際經(jīng)驗(yàn)的比較和分析，對(duì)宏觀審慎監(jiān)管的實(shí)踐有了更具體的理解，并收獲了一些有益的經(jīng)驗(yàn)。最后，理論聯(lián)系實(shí)際，將宏觀審慎的理論運(yùn)用到中國實(shí)際的分析中，從宏觀審慎監(jiān)管的視角看待和解釋我國金融體系中存在的一些問題，并在結(jié)合中國金融監(jiān)管實(shí)際的基礎(chǔ)上，進(jìn)一步探討了中國宏觀審慎監(jiān)管框架的構(gòu)建。 對(duì)中國宏觀審慎監(jiān)管框架構(gòu)建的政策建議主要有四點(diǎn)：第一，組建一個(gè)多方參與的系統(tǒng)性風(fēng)險(xiǎn)監(jiān)管機(jī)構(gòu)，負(fù)責(zé)系統(tǒng)性風(fēng)險(xiǎn)的識(shí)別和監(jiān)測，以及加強(qiáng)各監(jiān)管機(jī)構(gòu)之間的溝通與協(xié)調(diào)，同時(shí)應(yīng)提高中國人民銀行在宏觀審慎監(jiān)管中的地位和作用；第二，從時(shí)間維度和空間維度完善我國宏觀審慎政策工具箱的設(shè)計(jì)和開發(fā)，并完善宏觀審慎政策工具的使用規(guī)則；第三，完善我國的金融基礎(chǔ)設(shè)施和相關(guān)金融制度建設(shè)，具體包括建立統(tǒng)一全面的金融信息統(tǒng)計(jì)平臺(tái)、穩(wěn)健高效的金融基礎(chǔ)設(shè)施以及建立明晰可靠的存款保險(xiǎn)制度；第四，加強(qiáng)宏觀審慎監(jiān)管的國際合作，提高我國對(duì)跨境系統(tǒng)性風(fēng)險(xiǎn)的抵御能力。
[Abstract]:In 2007 the U.S. subprime mortgage crisis triggered by the global financial crisis has brought a heavy blow to the world economy, which caused great economic losses, the world economy has not yet fully recovered. However, dialectical point of view, every crisis is one of the financial system of health examination can diagnose the defects of financial system in which, given a financial system upgrade opportunities to evolve.
An important lesson of the crisis brought to us is only concerned about the individual soundness of financial institutions is not enough, should focus on the overall stability of systemic financial risks that threaten the financial system. So after the crisis, macro prudential supervision has become a good medicine to make up for the defect of the existing financial regulatory system, countries have also started to macro prudential supervision is the core of the reform of financial supervision. For our country, the macro prudential supervision idea to improve the level of financial supervision in China, has a very positive meaning to maintain financial stability in China.
Firstly, through the analysis of relevant theory of macro prudential regulation, clarifies the concept of macro prudential supervision and positioning in the framework of financial stability, and the formation mechanism of the systemic risk from time and space dimensions were analyzed and sorted, promoted the pro cyclical effect, "too big to fail", common exposure to the understanding of the problem, provide a theoretical basis for the practice of macro prudential regulation. Then, through the comparison and analysis of the international experience of the reform of the macro prudential regulatory framework, the practice of macro prudential supervision has a more specific understanding, and gain some useful experience. Finally, theory and practice, will the use of macro Prudential theory to analysis Chinese practice, from the perspective of macro prudential supervision view and explain some problems existing in our country's financial system, and in combination with the actual Chinese financial supervision On the basis of this, we further discuss the construction of China's macro prudential regulatory framework.
On the construction of Chinese macro prudential regulatory framework policy has four main points: first, the formation of a multi stakeholder involvement in systemic risk regulator, is responsible for the identification and monitoring of systemic risk, and strengthen communication and coordination between the various regulatory agencies at the same time, should improve the status and role of the people's Bank of China in macro prudential supervision. Second, perfect; the design and development of China's macro Prudential policy toolbox from the dimension of time and space, the use of rules and improve the macro Prudential policy tools; third, improve the construction of financial system of financial and related infrastructure in our country, including the establishment of a unified financial statistics platform for comprehensive, efficient and robust financial infrastructure establish a clear and reliable deposit insurance system; fourth, strengthen international cooperation in macro prudential supervision, improve our country to resist cross-border systemic risk Ability.

【學(xué)位授予單位】：中共中央黨校
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.5

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本文編號(hào)：1430303