国际金融监管新发展与我国金融监管完善

【作者】 李红霞；

【导师】 凌江怀；

【作者基本信息】 华南师范大学 ， 西方经济学， 2003， 硕士

【摘要】 自20世纪70年代以来，金融监管又一次成为国际金融界的热门话题。主要是因为这段时期以来的金融监管与之前相比发生了很大的变化。本文试图对这些新的发展变化能有一个比较全面的概括，对其变化的动因进行探究，并希望借鉴国际经验来完善我国的金融监管。 本文首先概述和评价了当前具有代表性的六种金融监管理论，又对20世纪70、80年代以前的金融监管历程进行了简单的回顾。进而详细论述了国际金融监管领域的新发展，主要包括：安全与竞争、效率与成本相权衡的监管新理念；越来越重视金融机构的内部控制制度和行业自律机制；金融监管的市场导向化和信息披露制度的强化：监管方式从传统的合规性监管向全面有效的风险监管转变以及从现场检查、非现场监督到实时监管方式的转变；金融监管手段现代化及内容标准化；金融监管范围不断扩大；金融监管模式的统一化趋势和金融监管职能从中央银行分离的新趋势；金融监管的国际趋同化和国际合作趋势。然后对国际金融监管发生新变化的动因进行了探析，本文认为是金融技术进步、金融创新、混业经营、金融国际化和金融危机五个方面的金融实践活动的发展变化对传统的金融监管提出了新的挑战，使金融监管不得不做出适应新形势的改变。 本文的最后部分，主要是结合国际金融监管的新发展，对完善我国的金融监管提出了一些建议。首先介绍了我国金融监管的历史发展进程和存在的问题。接着从宏观角度分析了我国金融监管现有问题的原因。最后依据我国金融监管现状和未来发展趋势、借鉴国际金融监管新发展的经验，对完善我国的金融监管提出了一些建议：在保证安全的基础上提高金融监管效率；调整金融监管模式；建立和完善金融监管法律体系；建立健全金融监管自律机制；提高金融监管人员的素质；加强市场约束和信息披露的作用；改进监管方式和手段、扩大监管内容和范围；加强金融监管的国际交流与合作。更多还原

【Abstract】 Since 1970s,financial supervision has been a hot topic in the field of international finance again, because it has changed a lot comparing with the period before 1970s .The paper attempts to sum up these variations and research the motives of them. The author also hopes reinforce China’s financial regulation by learning foreign experience.The paper starts from summarizing and evaluating the six modern financial supervision theories and expresses the theoretical bases of the financial supervision and its change. After a brief review of the history about financial supervision before 1970s, the author points out the new trend of financial supervision since 70s of twenty century in the international field, which are as follows: new idea of balancing safety and competition; stressing the system of financial organization self-restrain; emphasizing the market order and information exposure; new thought of cooperation between the supervisor and his counterpart; the manner of supervision being shifted from prudential regulation to both prudential regulation and risk regulation; modernizing the means of financial supervision and standardizing the content of supervision; enlarging the scope of regulation; shifting from separating supervision to unified supervision; the unity of regulation within the scope of the globe; shifting from domestic supervision to cross-board supervision.Then the paper gives the reasons of these latest developments such as: new financial technology, financial innovation, universal banking, financial internationalization and financial crisis.In the last part of the paper, after reviewing China’s history about financial regulation , the author offers our current problems of regulation and studies the reasons. Finally, basing on our current situation of financial regulation, the development of financial supervision in the international field and the tendency of China’s finance, the author propounds her opinions on China’s reform of financial supervision, such as: upgrading the efficiency of supervision; adjusting the pattern of financial regulation gently; establishing the system of financial law; setting up the rule of self-restrict; heightening the supervisor’s constitution; strengthening the market discipline and exposing enough information; improving the fashion and manner of financial supervision, enlarging the scope of supervision; reinforcing the international communion and collaboration of financial supervision.更多还原