本文關(guān)鍵詞：金融混業(yè)經(jīng)營下防火墻法律制度研究　出處：《河北經(jīng)貿(mào)大學》2017年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 混業(yè)經(jīng)營 風險防范 金融防火墻

【摘要】：金融在全球經(jīng)濟中具有舉足輕重的地位,為實體經(jīng)濟提供資本支持,同時更是一國經(jīng)濟穩(wěn)定的平衡器,在經(jīng)濟全球化的大環(huán)境下,金融業(yè)愈發(fā)的趨向于具有協(xié)同效益的混業(yè)經(jīng)營模式;我國金融業(yè)發(fā)展歷程較短,但卻有著一個較為全面的發(fā)展過程,建國初期的原始混業(yè)經(jīng)營模式隨著計劃經(jīng)濟的發(fā)展,促使風險頻發(fā),國務(wù)院和銀行業(yè)監(jiān)管部門吸取國內(nèi)外金融業(yè)發(fā)展經(jīng)驗適時抉擇,選取分業(yè)經(jīng)營、分業(yè)監(jiān)管模式對國內(nèi)金融業(yè)加以嚴格管控,然而進入新時期,在金融全球化和外來金融資本如潮水般涌入的情勢下,面對國際資本競爭的加劇,我國不得不選擇逐步拋棄保守的分業(yè)經(jīng)營模式而建立現(xiàn)代金融業(yè)混業(yè)經(jīng)營模式;分業(yè)經(jīng)營、分業(yè)監(jiān)管被拋棄的同時,金融風險勢必在金融混業(yè)經(jīng)營中悄然而生,由風險所致的危機也必然影響我國金融市場的穩(wěn)定;在金融立法缺失和監(jiān)管制度落后的環(huán)境下,貿(mào)然進行經(jīng)營模式轉(zhuǎn)變勢必造成風險的串聯(lián)進而引發(fā)金融危機,這也是國務(wù)院和國家銀行業(yè)監(jiān)管機構(gòu)所預(yù)見到的問題,在加強整合競爭力以及發(fā)揮規(guī)模效益的同時對于金融風險的防范不可小覷,因為金融業(yè)雖然是高風險、高收益行業(yè),但同時又是一國經(jīng)濟發(fā)展的命脈行業(yè),故金融業(yè)穩(wěn)定、健康、有序發(fā)展應(yīng)當擺在與效益同等重要的地位,甚至要稍微高于對效益的追求的層面;同西方發(fā)達資本主義國家相比,我國金融防火墻制度的產(chǎn)生和發(fā)展都較為薄弱,我國金融業(yè)發(fā)展期間較短,雖是基本上經(jīng)歷了金融業(yè)發(fā)展的全部階段,但大都是向世界各先進國家習得并施以法律加以推廣的舶來品,面對自身金融業(yè)風險的評估缺乏經(jīng)驗。拿金融防護墻制度來說,我國金融防火墻制度的發(fā)展是一個政府指引的漸進發(fā)展過程,雖然現(xiàn)階段混業(yè)經(jīng)營模式已經(jīng)實際的在金融市場競爭中發(fā)揮作用,但是金融各業(yè)之間的監(jiān)管還是各自為政,缺乏一個全面的均衡的適用于金融混業(yè)經(jīng)營的“防火墻”制度。本文以五部分組成,通過對我國金融業(yè)發(fā)展和防火墻構(gòu)建的現(xiàn)狀加以分析,并借鑒國外經(jīng)驗找出完善我國金融防火墻制度具體策略和立法原則。第一部分,主要通過引言加以介紹金融業(yè)混業(yè)經(jīng)營模式以及防火墻制度完善等問題的研究目的和意義以及國內(nèi)外研究現(xiàn)狀,以及對國內(nèi)外學者的相關(guān)論述進行整理分析,借以完善我國現(xiàn)有金融防火墻相關(guān)制度進而構(gòu)建一部完備的金融防火墻法律制度。第二部分,主要介紹金融防火墻理論基礎(chǔ)。通過對金融防火墻制度產(chǎn)生的市場背景以及金融防火墻制度的分類和作用來闡明金融防火墻在我國金融業(yè)混業(yè)經(jīng)營模式下,金融監(jiān)管的發(fā)展方向。第三部分,以美國、日本為兩大對比對象,將域外相關(guān)金融防火墻制度經(jīng)驗,取長補短,認真汲取值得借鑒的有益制度。在明確我國現(xiàn)有混業(yè)經(jīng)營金融監(jiān)管制度存在不足的情勢下,通過選擇、對比,尋求適用于我國的金融防火墻制度的發(fā)展范式。第四部分,主要介紹我國金融業(yè)混業(yè)經(jīng)營當前發(fā)展態(tài)勢,以及我國相關(guān)金融防火墻制度在立法、司法、執(zhí)法三個層面的現(xiàn)狀與不足。通過立法、執(zhí)法監(jiān)管、金融消費者和中小股東保護以及防火墻制度和協(xié)同效益協(xié)調(diào)困難等四個具體問題,來發(fā)現(xiàn)我國金融業(yè)發(fā)展及金融防火墻制度還有哪些不足。第五部分,結(jié)合我國現(xiàn)有法律規(guī)定以及域外的相關(guān)制度,提出針對兩大方面完善我國金融防火墻制度的建議,包括金融防火墻的立法原則及其在實踐層面中的具體操作方法,進而使得法律和自律防火墻在我國金融法律制度中趨于完備,在金融司法實踐中能夠更為便利有效的應(yīng)用。使我國金融業(yè)在國際金融混業(yè)經(jīng)營大趨勢下,發(fā)揮規(guī)模效益的同時防范金融風險,為金融業(yè)健康有序發(fā)展保駕護航。總之隨著我國金融業(yè)的不斷發(fā)展和演變,針對本國金融特性的監(jiān)管方案也逐漸產(chǎn)生和完善;目前我國金融防火墻制度已有一定發(fā)展,但呈現(xiàn)一種破碎化的狀態(tài),監(jiān)管機構(gòu)的各自為政,也導(dǎo)致我國至今還未形成一部完整的針對現(xiàn)代混業(yè)經(jīng)營模式的金融防火墻法律制度。這是目前我國金融防火墻制度發(fā)展完善的缺失點,更是需要著重彌補的短板,建立健全金融法律能夠為金融業(yè)的健康發(fā)展提供有力保證,因此金融防火墻制度的發(fā)展完善需要相關(guān)法律來予以支持和引導(dǎo),而金融監(jiān)管法律的構(gòu)建要有一個中心思想,這就是隨著金融全球化浪潮的推進,我國金融業(yè)發(fā)展規(guī)模逐漸擴大,國內(nèi)外金融資本競爭不斷加劇的情勢下,在安全穩(wěn)定和效益利潤中尋求平衡點是構(gòu)建和完善具有中國特色的金融防火墻法律制度的重中之重。
[Abstract]:Finance plays a decisive role in the global economy, to provide capital support for the real economy, but also a country's economic stability balancer, in the context of economic globalization, the financial industry increasingly tend to have synergistic benefits of mixed operation; the development process of China's financial industry is relatively short, but with a the comprehensive development process, the early days of the original operation mode with the development of the planned economy, prompting frequent risks, the State Council and the banking regulatory departments from domestic and foreign financial industry development experience timely choice, select separate operation, separate supervision mode to the strict control of the domestic financial sector, but in the new period, in the financial globalization and foreign financial capital flooded into the situation, in the face of international capital competition, China had to choose to gradually abandon the separate operation mode and the establishment of a conservative Mixed operation mode of the modern financial industry; separate operation, separate supervision abandoned at the same time, financial risks in the financial mixed operation born quietly, from the risk caused by crisis will influence the stability of China's financial market; financial environment in the absence of legislation and supervision system behind the series, rashly business model change will inevitably cause the risk of triggering a financial crisis, this is also the State Council and the state banking regulators foresaw problems in strengthening the integration and competitiveness play a scale and prevent the financial risk can not be underestimated, because the financial industry is high risk, high profit industry, but it is the lifeblood of a country's economic development industry therefore, the financial industry stable, healthy, orderly development should be placed in the equally important position with benefits, even slightly higher than that of the pursuit of the benefit with the western developed level; The capitalist countries, the emergence and development of China's financial firewall system are relatively weak. During the development of the financial industry in China is relatively short, although it is basically through all stages of the development of the financial industry, but mostly to the advanced countries in the world and to promote the acquisition of legal evaluation abroad, face their own risk to the financial sector lack experience with financial system. The protective wall, the development of China's financial firewall system is the progressive development of a government guidance, although the mixed operation mode at this stage has actually play a role in the financial market competition, but the financial industry regulation or lack of coordination between, for the lack of a comprehensive and balanced financial mixed operation the "firewall" system. This paper is composed of five parts, construction status through the development of China's financial industry and the firewall are analyzed, and the reference of foreign Check out the improvement of China's financial firewall system specific strategies and principles of legislation. The first part mainly introduces the problem of financial mixed operation mode and firewall system improving the research purpose and significance and research status at home and abroad through the introduction and discussion of domestic and foreign research were analyzed, in order to improve the existing financial firewall in China the related system and construct a complete financial firewall legal system. The second part mainly introduces the theoretical basis of financial firewall. Through the classification and role of the market in the background of the financial firewall system and financial firewall system to clarify the financial firewall in the mixed operation mode of China's financial industry, the development direction of financial supervision. The third part in the United States, Japan is the two largest contrast object, the overseas related financial firewall system experience, learn from each other, learn seriously The beneficial system is worth learning. In clear our existing mixed operation financial supervision system shortage situation, through selection, comparison, development paradigm of the financial firewall system to seek suitable for our country. The fourth part mainly introduces the mixed management of financial industry in China and China's current development situation, the related financial firewall system the legislative, judicial, law enforcement status and shortcomings of three aspects. Through legislation, law enforcement and supervision, financial consumer protection of small and medium shareholders and the firewall system and synergy coordination difficulties in four specific problems, to find out the development of China's financial industry and the financial firewall system what are the deficiencies. The fifth part, combined with our existing laws and the related system of extraterritorial, aiming at perfecting the financial firewall system proposed in two aspects, including the principle of legislation and practice of the financial firewall layer Specific methods of operation surface, as well as the law and discipline of firewall in China's financial legal system become perfect, can be more convenient and effective application in judicial practice. The financial management of China's financial industry trends in the international financial mixed, play a scale and guard against financial risks, the financial industry for health the orderly development of escort. Together with the development and evolution of China's financial industry, the regulatory scheme for their financial characteristics have gradually produced and perfect; the existing financial firewall system in our country has a certain development, but the fragmentation state regulators also lead to lack of coordination, our country has not yet formed a complete according to the modern mode of mixed operation of financial firewall legal system. It is currently China's financial firewall system development and improvement of the missing point, is the need to make up the short board on, Establish and improve the healthy development of the financial law can provide a powerful guarantee for the financial industry, so the development of the financial firewall system to improve the relevant laws to support and guide, and the construction of financial supervision law should have a central idea, which is along with the financial globalization tide in advance, the scale of development of China's financial industry is gradually expanding, the domestic foreign financial capital increasing competition situation, seeking the balance point in the safety and benefit is the priority among priorities can construct and perfect the Chinese characteristics of financial firewall legal system.

【學位授予單位】：河北經(jīng)貿(mào)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D922.28

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