全球金融监管体制改革新动向及我国的路径选择

New Trends of the Global Financial Regulatory Reform and Our Path Selection

全球金融危机的深刻教训使各国纷纷反思其金融监管制度,美国《多德—弗兰克法案》的立法意旨在于加强对系统性风险的防范和对弱势群体的金融保护,《巴塞尔协议Ⅲ》相比以前的两个版本,其监管要求和监管标准都有了进一步提高。监管方要调整监管观念,从关注"管住风险,管住金融机构"转向"促进竞争、发展来降低风险"。短期内,分业监管模式与我国当前金融业发展水平较为符合,但从发展的眼光看,中国大陆的监管体系应逐步过渡到"一行一会",即一个央行一个金融监督管理委员会监管模式。

Countries in the global financial crisis reflect the financial regulatory system, United States ＂Dodd-Frank Act＂ is to strengthen the prevention of systemic risk and the protection of vulnerable groups, ＂Basel Ⅲ＂ compared to the previous two versions, the regulatory requirements and regulatory standards have been further improved. Regulators to adjust the regulato- iT concept, from a focus on ＂manage risk, manage financial institutions＂ to ＂promote competition and development to reduce risk. ＂ The short term, sub-sector regulatory model more in line with our current level of financial sector development. However, from a development perspective, China's Mainland＇s regulatory system should be a gradual transition to a central bank and a financial oversight committee of the regulatory approach .