国际金融监管理论的发展趋势及其对我国的启示

【作者】 马岩；

【导师】 甄艳；

【作者基本信息】 东北师范大学 ， 世界经济， 2003， 硕士

【摘要】 近些年来，世界经济最显著的特征是经济全球化，而经济全球化的核心是金融全球化。金融全球化和金融自由化的发展在促进全球经济迅猛发展的同时，也使全球经济和金融体系中的不确定因素增加，加大了全球的金融风险，对金融监管提出了新的挑战。 2001年12月11日，经历了15年的艰辛谈判，我国正式加入世贸组织，并承诺在5年内逐步开放金融市场。就我国金融业而言，除了中资金融机构要面对日益激烈的全面竞争外，整个金融监管体系的有效性都受到了前所未有的影响和冲击。 因此，研究国际金融监管的发展趋势，借鉴国外实践经验，构筑与国际接轨的金融监管体系具有重要的现实意义。 要制定有效的监管体系，必须对金融监管的理论基础加以研究。山于金融体系的负外部性效应、公共产品特性、金融机构的自由竞争悖论、金融信息的不确定与不对称性，更由于金融业的高负债、高风险与很强的传染性使得金融监管成为保障金融业顺利发展的必要措施。当然，金融监管也是从无到有，经历了自然发展、严格监管、效率优先以及安全与效率并重等几个阶段，《巴塞尔报告》的几经修改也反映了金融监管的新的发展方向。 随着金融活动与经济活动的联系日趋紧密，全球金融运行格局出现了全球化、网络化、集团化与混业经营、创新与风险传染加快的新变化。与此相应，金融监管也出现了加强风险监管、强调对银行创新业务风险监管、强调公司治理结构、强调信息披露与市场约束、强调防止金融犯罪等新趋势。 我国的金融监管起步较晚，与国际金融监管比较存在许多不足，为迎接几年后金融市场的开放，必须在以下几个方面做出前瞻性的改进： 1、着手建立统一的金融监管体系。2、金融监管的重中之重是银行监管。3、进一步强化金融监管的法律手段。4、建立良好的内部控制与风险管理体系。5、更新监管理念，将金融监管纳入市场约束的轨道。6、密切金融监管的国际合作，加强国家的金融安全。7、加强金融监管支持系统。更多还原

【Abstract】 In the last few years, the most remarkable characteristic of international economy is economic globalization, and the core of economic globalization is financial globalization. The development of financial globalization and financial liberalization, while promoting global economy to develop rapidly, make uncertain factors of global economy and financial system increase, strengthen global financial risks, and get the new challenge out of financial supervision.On December 11, 2001, going through the hardships of 15 years negotiation, our country joined WTO formally, and promised to open the financial market progressively within 5 years. As regards financial circles of our country, except that the Chinese-funded financial institutions have to be in the face of the fierce competing with financial institutions of the foreign capitals all-side day by day, the validity of the whole financial supervisory system has all been influenced and impacted unprecedented. It is realistic meaningful to study the trend of international financial supervision and to use the advanced foreign experience for reference so as to construct the financial supervisory system in line with international standards.It is necessary to study about the theoretical foundation of financial supervision in order to make the supervisory system effective. Because of outside effect, public product performance, free competition paradox, unsure and asymmetry of financial message, especially high liabilities, risk of financial circles and strong infective, financial supervision becomes a requisite measure that ensure financial circles develop smoothly. Certainly, financial supervision developed from scratch, going through natural development, supervising strictly then, efficiency coming first, and safety as important as efficiency .We also can conclude the new developing directions from several revising of report of Basel".As the financial activity and economic activity connecting deeply, global financial operating pattern appeared globalization, networking,grouping and mixed operation, innovation and infective accelerating with risk, etc. Corresponding with this, financial supervision has presented new trends, such as strengthening risk supervision, emphasizing bank innovative business risk supervision, emphasizing company administration structure, emphasizing disclosure of information and restrained with the market, emphasizing preventing financial crime. The financial supervisions of all countries strengthened correspondingly further too.As the financial supervision of our country began relatively late, it is more insufficient compared with the international financial supervision. For the opening of the financial market in a few years, we must make perspective improvement in the following several respects:l.Set about supervisory system unified with not only bank but also insurance and securities.2.The most important thing of financial supervision is bank supervision.3.Strengthen legal means to further financial supervision.4. Set up good system of inside controlling and risk management.5.Upgrade financial supervision and restrain the financial supervision by the market.6.Strengthen financial supervision with international cooperation and strengthen the safety of national finance.7.Strengthen systems that support financial supervision.更多还原