摘要
本文简要回顾了自2008年以来我国银信合作监管政策的变化过程,分析了引起政策变化的原因和监管效果。在肯定2010年监管政策效果显著的基础上,指出银信合作监管尚存在执行不到位,政策不公平、不合理等问题。对未来我国银信合作监管政策的制定,文章指出需要注意银信合作政策变化所引发的蝴蝶效应,注意跨业金融产品的监管、银信合作产品中的投资者保护、监管政策的市场指导性以及监管政策合法性等方面的挑战。
The article briefly reflects on the changing process of China＇s regulative policies concerning cooperation between banks and trust companies since 2008, and analyzes the reasons for the change and the effects of regulation. Though the policy in 2010 received good results, there is still certain weakness in current regulation such as slack implementation and inequitable policy, etc. In the future, we need to pay attention to the butterfly effect caused by the change of policies, and we also need to face the challenges such as regulation of cross-sectional financial products, investor protection, market guidance and legitimacy of legislative policies.
出处
《上海金融》
CSSCI
北大核心
2011年第7期55-61,共7页
Shanghai Finance
关键词
银信合作
监管
政策
效果
挑战
Cooperation between Banks and Trust Companies
Regulation
Policy
Effect
Challenge
