本文關(guān)鍵詞： 金融監(jiān)管 系統(tǒng)風(fēng)險(xiǎn) 金融穩(wěn)定 改革　出處：《華東政法大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：2008年，由美國(guó)的次貸危機(jī)引發(fā)的全球性金融危機(jī)嚴(yán)重沖擊了英國(guó)的金融市場(chǎng)。在危機(jī)爆發(fā)后，英國(guó)政府積極的采取各項(xiàng)措施來救濟(jì)英國(guó)的金融市場(chǎng)，另一方面也在反思此次金融危機(jī)爆發(fā)的根源。此次金融危機(jī)的經(jīng)驗(yàn)教訓(xùn)，使得英國(guó)政府認(rèn)識(shí)到應(yīng)當(dāng)努力糾正其金融監(jiān)管體系的諸多缺陷，從而防范可能發(fā)生的類似危機(jī)。因此英國(guó)政府對(duì)其金融監(jiān)管體系進(jìn)行了大刀闊斧的改革，廢除了由單一的金融監(jiān)管機(jī)構(gòu)-金融服務(wù)局進(jìn)行監(jiān)管的統(tǒng)一監(jiān)管模式，取而代之的是英格蘭銀行領(lǐng)導(dǎo)下的雙峰監(jiān)管模式。在新的金融監(jiān)管體系下，英格蘭銀行的權(quán)力得到了加強(qiáng)，并在其內(nèi)部設(shè)立了承擔(dān)宏觀審慎監(jiān)管職責(zé)的金融政策委員會(huì)。另外，新的金融監(jiān)管機(jī)構(gòu)審慎監(jiān)管局和金融行為管理局相繼成立，從而構(gòu)建起英國(guó)的雙峰監(jiān)管模式。而這種改革后的金融監(jiān)管體系是英國(guó)政府基于對(duì)金融危機(jī)的反省所構(gòu)建的，其目的非常明確即強(qiáng)化宏觀審慎監(jiān)管，，防范系統(tǒng)風(fēng)險(xiǎn)并維護(hù)金融市場(chǎng)健康穩(wěn)定的可持續(xù)發(fā)展。當(dāng)然這種金融監(jiān)管體系既有其優(yōu)越的一面，也存在著一定的局限性。雖然英國(guó)的金融監(jiān)管改革尚有不完善之處，但是此次改革在很大程度上有助于實(shí)現(xiàn)其金融改革的目的。在中國(guó)，由于中國(guó)金融市場(chǎng)相對(duì)封閉，在此次金融危機(jī)中并未造成巨大損失，但是不可否認(rèn)中國(guó)金融監(jiān)管體系存在著諸多問題。中國(guó)金融監(jiān)管體系需要改革，而且中國(guó)政府已經(jīng)在采取措施來完善中國(guó)的金融監(jiān)管體系。英國(guó)的金融監(jiān)管改革的經(jīng)驗(yàn)對(duì)于中國(guó)金融監(jiān)管改革有著諸多可以借鑒和參考的地方。本文研究的主要目的是分析英國(guó)金融監(jiān)管改革的內(nèi)容并為中國(guó)的金融監(jiān)管改革提出建議。本文首先介紹了金融危機(jī)之前的英國(guó)金融監(jiān)管體系及在金融危急中暴露出來的缺陷，然后介紹并評(píng)析英國(guó)金融監(jiān)管改革的主要內(nèi)容，最后在分析中國(guó)的金融監(jiān)管出現(xiàn)的問題的基礎(chǔ)上，提出中國(guó)金融監(jiān)管改革的建議。
[Abstract]:In 2008, the global financial crisis caused by the subprime mortgage crisis in the United States seriously impacted the British financial market. After the crisis broke out, the British government actively took various measures to rescue the British financial market. On the other hand, it is also reflecting on the root causes of the financial crisis. The experience and lessons of the financial crisis have made the British government realize that efforts should be made to correct the shortcomings of its financial regulatory system. In order to prevent possible similar crises, the British government has carried out drastic reforms to its financial regulatory system, and abolished the unified regulatory model of supervision by a single financial regulatory body, the Financial Services Authority (FSA). Instead, there is the bimodal regulatory model led by the Bank of England, which has strengthened its powers under the new financial regulatory system. In addition, the new financial regulatory bodies, the prudential Supervisory Authority and the Financial Conduct Authority, have been established one after another. The reform of the financial supervision system is based on the reflection of the financial crisis, the purpose of which is to strengthen macro-prudential supervision. To guard against systemic risks and to maintain a healthy and stable sustainable development of financial markets. Of course, this financial regulatory system has its advantages. There are also some limitations. Although the reform of financial supervision in Britain is still imperfect, but this reform to a large extent helps to achieve the purpose of its financial reform. In China. Because China's financial market is relatively closed, it did not cause huge losses in the financial crisis, but it is undeniable that there are many problems in China's financial regulatory system. China's financial regulatory system needs to be reformed. Moreover, the Chinese government is already taking measures to perfect China's financial supervision system. The experience of the British financial supervision reform has many references for China's financial supervision reform. The purpose of this paper is to analyze the content of the reform of financial supervision in Britain and to make suggestions for the reform of financial supervision in China. Firstly, this paper introduces the financial supervision system before the financial crisis and the defects exposed in the financial crisis. Then it introduces and evaluates the main contents of the reform of financial supervision in Britain, and finally puts forward some suggestions on the reform of financial supervision in China on the basis of analyzing the problems of financial supervision in China.
【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.1

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