新时代我国金融监管策略创新研究

On Financial Regulation Strategy under the New Era in China

金融监管从金融诞生以来就是一项庞大的系统性工程,并随着国际国内经济、金融、社会发展而不断优化和完善。不同于十年前国际金融危机所引发的金融监管改革,在新时代背景下,新经济、新金融、新业态、新技术所引致的金融监管问题更应引起足够的重视。简单的趋严监管不一定能达到预设的监管效果,行之有效的解决思路应是拿捏好金融监管的"五度"问题,即金融监管的角度、广度、力度、高度和监管适度五个方面,进而探索金融监管在这五方面的创新思维与改革路径:即金融监管角度方面宏观上要支持实体经济发展,中观上要防范系统性风险,微观上要维护金融消费者权益;金融监管广度方面要探索混业监管,并借鉴"监管沙箱",实现监管创新;金融监管力度上要坚持审慎性监管和弹性监管;金融监管的高度方面要保持前瞻性、主动性、穿透性监管思维;金融监管的适度即处理好监管与创新的关系,并采取包容性监管思维。

Since the birth of finance,financial supervision has been a huge systematic project and has been continuously optimized and improved with the development of economy,finance and society at home and abroad.Different from the reform of financial regulation triggered by the international financial crisis a decade ago,in the new era,the problems of financial supervision caused by the new economy,new finance,new formats and new technologies should be given enough attention.The simple tightening regulation may not be able to achieve the preset regulatory effect.The effective solution to the problem should be the“five questions”that need to be properly managed,that is,the perspectives of financial regulation,financial regulation,financial regulation Intensity,the height of financial supervision,the appropriateness of financial regulation.We should explore the financial supervision in the five aspects of creative thinking and the path of reform:financial supervision and macro perspective to support the real economy development level,to prevent systemic risk,the microcosmic safeguard the financial interests of consumers;to explore the mixed supervision of financial supervision and the supervision scope,sandbox,achieve regulatory innovation;financial supervision efforts to adhere to prudent supervision thinking and flexible regulatory thinking;financial supervision to keep highly prospective,initiative,penetrating regulatory thinking;financial supervision should be appropriate to deal with regulatory and a new relationship,and take regulatory inclusive thinking.