本文選題：混業(yè)經(jīng)營(yíng)　切入點(diǎn)：雙峰模式　出處：《山東大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：自2015年夏季股市動(dòng)蕩開始,越來(lái)越多的人對(duì)中國(guó)金融市場(chǎng)分業(yè)監(jiān)管模式提出質(zhì)疑,認(rèn)為現(xiàn)行的監(jiān)管模式存在著眾多問(wèn)題。2015年11月3日十三五規(guī)劃指出,要改革并完善適應(yīng)現(xiàn)代金融市場(chǎng)的金融監(jiān)管框架。2016年《政府工作報(bào)告》中指明了"對(duì)風(fēng)險(xiǎn)要做到全面覆蓋,盡快對(duì)監(jiān)管體制進(jìn)行改革"的金融監(jiān)管改革新路。2017年習(xí)近平同志強(qiáng)調(diào)要按照國(guó)際標(biāo)準(zhǔn)及時(shí)彌補(bǔ)金融監(jiān)管的短板,通過(guò)體制改革來(lái)創(chuàng)造金融行業(yè)推動(dòng)實(shí)體發(fā)展的機(jī)遇。這預(yù)示著中國(guó)金融市場(chǎng)監(jiān)管將迎來(lái)大變革。本文第一部分介紹了我國(guó)金融監(jiān)管模式的歷史發(fā)展和"一行三會(huì)"的具體職責(zé)。隨著金融市場(chǎng)的發(fā)展,我國(guó)金融監(jiān)管經(jīng)歷了零監(jiān)管時(shí)代、混業(yè)經(jīng)營(yíng)單一監(jiān)管時(shí)代、分業(yè)經(jīng)營(yíng)分業(yè)監(jiān)管時(shí)代并一直延續(xù)至今�！度嗣胥y行法》明確了人民銀行從成立起就被賦予了貨幣政策相關(guān)職能以及在金融市場(chǎng)上維護(hù)系統(tǒng)穩(wěn)定的功能。三會(huì)各自依據(jù)《銀行業(yè)監(jiān)督管理法》、《證券法》、《保險(xiǎn)法》規(guī)定對(duì)銀行業(yè)、證券業(yè)、保險(xiǎn)業(yè)進(jìn)行法律監(jiān)管。第二部分介紹了金融監(jiān)管模式的兩組概念,即以實(shí)質(zhì)內(nèi)容進(jìn)行劃分的機(jī)構(gòu)監(jiān)管、功能監(jiān)管、目標(biāo)監(jiān)管和以外在形式進(jìn)行劃分的多頭監(jiān)管、雙峰監(jiān)管,通過(guò)對(duì)比各種模式的優(yōu)劣,提出以目標(biāo)監(jiān)管為實(shí)質(zhì),以雙峰監(jiān)管模式為外在表現(xiàn)的模式更符合未來(lái)監(jiān)管要求。同時(shí)介紹了美國(guó)雙線多頭監(jiān)管機(jī)制未來(lái)改革方向、英國(guó)和澳大利亞的雙峰監(jiān)管模式優(yōu)勢(shì),明確了國(guó)際金融監(jiān)管模式選擇的大趨勢(shì)。第三部分明確了我國(guó)現(xiàn)行"一行三會(huì)"監(jiān)管模式存在的影子銀行監(jiān)管空白、金融集團(tuán)監(jiān)管重疊、聯(lián)席會(huì)議形同虛設(shè)等問(wèn)題,并從法律層面進(jìn)行了原因分析。由于"一行三會(huì)"法律地位不獨(dú)立、行政級(jí)別的影響以及部級(jí)聯(lián)席會(huì)議不形成正式法規(guī)文件等導(dǎo)致了眾多監(jiān)管問(wèn)題的出現(xiàn)。第四部分對(duì)我國(guó)"一行三會(huì)"改革方向進(jìn)行了闡述,從監(jiān)管模式選擇、明確監(jiān)管目標(biāo)以及具體改革路徑三部分展開敘述。筆者建議選擇雙峰監(jiān)管模式,兩大目標(biāo)分別為通過(guò)加強(qiáng)審慎監(jiān)管來(lái)維護(hù)金融系統(tǒng)穩(wěn)定和加強(qiáng)金融機(jī)構(gòu)經(jīng)營(yíng)行為監(jiān)管來(lái)維護(hù)消費(fèi)者合法權(quán)益。在具體改革路徑上,不宜直接進(jìn)行機(jī)構(gòu)的整合,而應(yīng)該分步走。第一步應(yīng)通過(guò)修改《人民銀行法》在法律上明確人民銀行在監(jiān)管機(jī)構(gòu)中的領(lǐng)導(dǎo)地位,并通過(guò)法律明確部級(jí)聯(lián)席會(huì)議的工作機(jī)制,加強(qiáng)監(jiān)管部門的溝通。第二步應(yīng)將《銀行業(yè)監(jiān)督管理法》、《證券法》和《保險(xiǎn)法》中關(guān)于審慎監(jiān)管和行為監(jiān)管的相關(guān)法條進(jìn)行整合,形成一套完整的標(biāo)準(zhǔn),在監(jiān)管機(jī)構(gòu)實(shí)行統(tǒng)一監(jiān)管標(biāo)準(zhǔn)一定時(shí)間之后再討論第三步機(jī)構(gòu)整合。第三步將三會(huì)中負(fù)責(zé)監(jiān)管審慎經(jīng)營(yíng)的部門合并到銀監(jiān)會(huì)的職責(zé)中,而將三個(gè)負(fù)責(zé)消費(fèi)者保護(hù)的部門合并到證監(jiān)會(huì)的職責(zé)之中,形成我國(guó)金融監(jiān)管的"雙峰",人民銀行主導(dǎo),并加強(qiáng)與財(cái)政部、發(fā)改委等監(jiān)管機(jī)構(gòu)的協(xié)調(diào)配合。
[Abstract]:Since the stock market turmoil began in 2015, more and more people have questioned the separated supervision model of China's financial markets, believing that there are many problems in the current regulatory model. In November 3rd 2015, the 13th Five-Year Plan pointed out that. To reform and improve the financial regulatory framework adapted to modern financial markets, the 2016 Government work report states that "risk must be fully covered." "A new way to reform the financial supervision system as soon as possible". In 2017, Comrade Xi Jinping stressed the need to make up for the shortcomings of financial supervision in a timely manner in accordance with international standards. Through the system reform, we can create the opportunity for the financial industry to promote the entity development. This indicates that the supervision of the Chinese financial market will usher in a great change. The first part of this paper introduces the historical development of the financial supervision model in China and the "one line and three sessions". "specific responsibilities... with the development of financial markets, The financial supervision in our country has experienced the era of zero supervision, the era of mixed operation and the era of single supervision. The people's bank law has made clear that the people's bank has been entrusted with the functions related to monetary policy and the maintenance of system stability in the financial market since its establishment. According to the Banking Supervision and Administration Law, the Securities Law, and the Insurance Law, The second part introduces two sets of concepts of the financial supervision model, namely, institutional supervision, functional supervision, target supervision and multi-supervision, which are divided into two parts: the substantive content, the functional supervision, the target supervision, and the non-formal multi-supervision. By comparing the merits and demerits of each mode, the paper puts forward that the model which takes the target supervision as the essence and the double peak supervision mode as the external performance is more in line with the future regulatory requirements. At the same time, it introduces the direction of the future reform of the dual line and long regulatory mechanism in the United States. The advantages of the two-peak regulatory model in Britain and Australia make clear the general trend of the choice of international financial regulatory model. The third part clarifies the gap of shadow banking supervision in the current supervision mode of "one line and three committees" in China, and the overlapping supervision of financial groups. The joint meeting is virtually empty and causes are analyzed from the legal level. As the legal status of the "one line, three sessions" is not independent, The influence of the administrative level and the fact that the joint ministerial meeting does not form a formal legal document have led to the emergence of many regulatory problems. Part 4th expounds the reform direction of the "one line, three sessions" in China, and chooses the regulatory model. The author proposes to choose the double peak supervision mode. The two major objectives are to safeguard the legitimate rights and interests of consumers by strengthening prudential supervision to maintain the stability of the financial system and to strengthen the supervision of the operating behavior of financial institutions. In the specific reform path, it is not appropriate to directly integrate the institutions. The first step should be to clarify in law the leading position of the people's Bank in the regulatory bodies by amending the people's Bank Law, and to clarify the working mechanism of the joint ministerial meeting through the law. The second step is to integrate the relevant provisions of the Banking Supervision and Management Law, the Securities Law, and the Insurance Law on prudential and behavioral supervision, so as to form a complete set of standards. Discuss the third step of institutional integration after the regulators have implemented the unified regulatory standards for a certain period of time. The third step is to merge the departments in charge of supervision and prudential operation into the responsibilities of the CBRC. By merging the three departments in charge of consumer protection into the responsibilities of the CSRC, the people's Bank of China will take the lead and strengthen coordination with the Ministry of Finance, the NDRC and other regulatory agencies.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.1

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