我国金融混业经营新趋势下监管体制调整研究

【作者】 曾宪冬；

【导师】 张强；

【作者基本信息】 湖南大学 ， 金融学， 2003， 硕士

【摘要】 随着英、日、美等西方发达国家金融业经营体制由分业向混业回归，金融混业经营体制逐步发展成为了国际金融业的主流。在这一大前提下，本文首先对国际金融混业经营的背景、经济学动因以及需要的相关条件进行了简要分析，并结合我国金融业的现状，论证了我国金融混业经营是大势所趋，金融控股公司模式则是混业经营的现实选择。 然后本文通过分析金融监管的理论基础说明了金融监管的必要性，运用西方新制度经济学制度变迁理论，对混业经营趋势下我国金融监管体制调整进行了理性分析。 混业经营需要相应的条件予以支撑，其中之一就是健全而强大的金融监管体制，目前我国金融监管体制还存在一些弊端，不能适应金融混业经营的发展趋势，混业经营必将对我国金融监管体制的各个方面形成挑战，对此，本文进行了具体分析。 最后，在考察金融混业经营趋势下国际金融监管体制的改革实践，总结它们成功经验的基础上，结合我国金融业发展的具体情况，提出了我国金融监管体制调整的对策。更多还原

【Abstract】 With the return of financial operational system of western developed countries such as UK, Japan, USA etc from separated to mixed, mixed operational system has developed into the mainstream of international financing. Under this major premise, this paper analyses the background, economics reason and relevant conditions needed of mixed operation of international financing briefly, demonstrates that financial mixed operation is the developing trend of China’s financing and Financial Services Holding Company is the best form for us considering the current situations.Then this paper states the necessity of financial supervision through the analysis of the theoretical foundations of financial supervision, Using institutional transition theory of the western new institutional economics, analyses the necessity of modulation of China’s financial supervisory system in the tendency of financial mixed operation rationally.Mixed operation needs some corresponding conditions, one of them is a perfect and mighty financial supervisory system. Still there are some drawbacks in the financial supervisory system of our country at present, can’t adapt to the developing trend of financial mixed operation. All respects to the financial supervisory system of our country will be challenged by mixed operation. To these challenges, this paper analyses them explicitly.At last, on the basis of exploring the reform practices of international financial supervisory system in the tendency of financial mixed operation , summarizing their successful experiences and combining the current situations of our country, this paper puts forward the modulation countermeasures of China’s financial supervisory system.更多还原