金融监管者的监管信息获取与分享问题探讨——以金融集团的信息监管为视角

The Acquisition and Sharing of Supervision Information by Financial Supervisors——From the Perspective of Information Supervision of Financial Group

金融监管者获取及时、全面和客观的监管信息并在各监管者之间有效分享是有效监管的基础,这对于金融集团的监管者来说尤为如此。金融集团会按照最有利的方式来组织整个集团的业务活动和风险管理结构,而一国立法所确立的监管结构却常常与它们的业务和风险管理结构不一致,这就极大地影响了对金融集团的有效监管。借鉴美国、欧盟等发达国家对金融集团信息监管的有益立法和制度经验,我国的金融监管者不仅要加强和规范获取信息、分享信息与协调信息的制度设计,同时也应重视不同类型金融集团和在不同情形下的信息发展变化对监管者信息监管的重要影响,并不断完善监管者之间有关效率、范围、影响因素等重要信息的框架安排。

The timely acquisition and sharing of comprehensive and objective information are the basis of effective supervision,which is especially important for the supervisors of financial group.Financial group organizes the business and risk management structure in the most beneficial way,but there is inconformity between the structure of supervision required by the legislation and that of business and risk management,which has impaired the effectiveness of supervision.Based on the experiences of America,EU and other developed countries,the article points out Chinese supervisors should normalize the acquisition,sharing and harmonizing of information,focus on the influences brought by the changes of information and improve the framework of key information about efficiency,scope and influences.