我国金融监管体制的国际借鉴及改革研究

The International Reference for Financial Supervision System of China and Its Reform

随着金融自由化、国际化、信息化的发展,金融风险愈发隐蔽且难以遏制,尤其是伴随金融创新的不断涌现,监管制度已经出现了滞后问题。新常态下我国金融监管体制已经不利于实现经济发展方式转变这一新目标。文章在借鉴国际主要国家金融监管模式的基础上,建议推进金融监管体制改革,在业务监管方面,监管机构应该全面放开对金融机构的微观管制,采用负面清单机制鼓励金融机构有序、渐进的金融创新;以监管指标考核金融机构,加强金融消费者与中小投资者保护,强化对违规机构的事后追责;改进不合时宜的管制措施与方法,按照市场化和法治化方向发展多层次的资本市场。

With the development of financial liberalization, internationalization and information technology, financial risks become more subtle and difficult to be discover, especially with financial innovation continue to emerge, the regulatory system has emerged lag.Under the new normal, China＇s present financial regulatory system is not suitable for the new target of economic development mode shift.This paper, based on international financial supervision mode of advanced countries, puts forward the recommendations to promote the financial regulatory reform. The regulatory financial institutions should fully liberalized micro-control, using a negative list mechanism to encourage financial institutions to implement orderly, gradual financial innovation; regulatory indicators for measuring financial institutions; strengthening the protection of financial consumers and small investors, strengthening accountability; improving control measures and methods, according to market and the rule of law to develop multi-level capital market.