本文關(guān)鍵詞：我國(guó)金融控股公司監(jiān)管制度法律問(wèn)題研究　出處：《浙江大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 金融控股公司 金融風(fēng)險(xiǎn) 監(jiān)管制度

【摘要】：混業(yè)經(jīng)營(yíng)是全球的趨勢(shì),而金融控股公司作為混業(yè)經(jīng)營(yíng)的一種形式,是我國(guó)當(dāng)前開展綜合化經(jīng)營(yíng)試點(diǎn)的主流選擇。金融控股公司可以享受規(guī)模經(jīng)濟(jì)、范圍經(jīng)濟(jì)和協(xié)同效應(yīng)所帶來(lái)的競(jìng)爭(zhēng)優(yōu)勢(shì),但是由于其組織結(jié)構(gòu)的特殊性和復(fù)雜性,又有著不同于一般金融機(jī)構(gòu)的風(fēng)險(xiǎn)。因此,如何對(duì)金融控股公司進(jìn)行監(jiān)管是一個(gè)值得深入研究的課題。世界發(fā)達(dá)國(guó)家的金融監(jiān)管體系大致可分為傘形監(jiān)管、統(tǒng)一監(jiān)管和雙峰監(jiān)管,不同的監(jiān)管體系有不同的優(yōu)點(diǎn)。但是隨著經(jīng)濟(jì)全球化和金融創(chuàng)新的日益活躍,金融監(jiān)管滯后于金融市場(chǎng)的發(fā)展的弊端凸顯,監(jiān)管真空、監(jiān)管套利、監(jiān)管重疊等問(wèn)題層出不窮。2007年爆發(fā)的次貸危機(jī)暴露出了許多金融監(jiān)管中的問(wèn)題,美、英等國(guó)隨之對(duì)本國(guó)的金融監(jiān)管體系進(jìn)行了大刀闊斧的改革,美國(guó)賦予了美聯(lián)儲(chǔ)超級(jí)監(jiān)管者的角色,英國(guó)也確立了以英格蘭銀行為核心的準(zhǔn)雙峰監(jiān)管模式,而且兩國(guó)吸取危機(jī)前系統(tǒng)性風(fēng)險(xiǎn)監(jiān)管缺位的教訓(xùn),改革后都設(shè)立了宏觀審慎監(jiān)管機(jī)構(gòu),以便及時(shí)識(shí)別、預(yù)警系統(tǒng)性金融風(fēng)險(xiǎn)。而反觀我國(guó),實(shí)踐中發(fā)展起來(lái)的各類型金融控股公司對(duì)我國(guó)當(dāng)前金融監(jiān)管是一個(gè)巨大挑戰(zhàn),監(jiān)管缺位下的野蠻生長(zhǎng)對(duì)金融系統(tǒng)的安全穩(wěn)定帶來(lái)了諸多隱患。因此,改革我國(guó)金融控股公司監(jiān)管制度迫在眉睫,我國(guó)應(yīng)在借鑒其他國(guó)家和地區(qū)經(jīng)驗(yàn)的基礎(chǔ)上,結(jié)合我國(guó)國(guó)情,確立功能監(jiān)管型雙峰監(jiān)管模式,從金融控股公司的市場(chǎng)準(zhǔn)入和退出、公司內(nèi)部控制、風(fēng)險(xiǎn)披露等方面建立健全金融控股公司監(jiān)管制度,同時(shí)強(qiáng)化跨境監(jiān)管,填補(bǔ)監(jiān)管真空,打擊監(jiān)管套利,從而維護(hù)金融系統(tǒng)的安全穩(wěn)定。
[Abstract]:Mixed operation is a global trend, and as a form of mixed operation, financial holding company is the mainstream choice to carry out comprehensive operation pilot. Financial holding company can enjoy economies of scale. The scope economy and the synergy effect bring the competitive advantage, but because of its organization structure particularity and the complexity, also has the risk which is different from the general financial institution. How to supervise the financial holding company is a topic worthy of further study. The financial regulatory system in developed countries can be divided into umbrella supervision, unified supervision and double peak supervision. Different regulatory systems have different advantages. But with the increasingly active economic globalization and financial innovation, financial regulation lags behind the development of financial markets highlighted the drawbacks, regulatory vacuum, regulatory arbitrage. In 2007, the subprime mortgage crisis exposed a lot of problems in financial supervision. The United States, Britain and other countries have carried out drastic reform of their financial regulatory system. The US has given the Fed the role of superregulator, the UK has established a quasi-bimodal regulatory model with the Bank of England at its core, and the two countries have learned from the lessons of the pre-crisis absence of systemic risk regulation. After the reform, macro-prudential regulatory agencies have been set up in order to identify and warn of systemic financial risks in a timely manner. The development of various types of financial holding companies in practice is a great challenge to China's current financial supervision. The barbaric growth under the absence of supervision has brought a lot of hidden dangers to the security and stability of the financial system. It is urgent to reform the supervision system of financial holding company in our country. On the basis of the experience of other countries and regions, we should establish the double peak supervision mode of functional supervision based on the national conditions of our country. From the financial holding company market access and withdrawal, the company internal control, risk disclosure and other aspects of the establishment of a sound financial holding company regulatory system, while strengthening cross-border regulation, filling the regulatory vacuum, and cracking down on regulatory arbitrage. To maintain the security and stability of the financial system.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.28

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