地方性金融监管方式改革分析——以四川功能监管与行为监管为例

Analysis of Reform of Financial Supervision Patterns in Sichuan: In the Perspective of Functional Supervision and Conduct Supervision

金融与实业血脉相连。金融监管既要坚持金融为实体服务的根本目标,又要注重防范金融市场整体风险,才能为金融与实体经济深度融合、良性互利提供保障。在全国金融改革创新的浪潮下,地方政府应当如何主动融入稳步促进,关键在于立足地方现状,找准改革创新的普遍规律与地方特色。因此,从地方政府的立场出发,要为深化金融改革筑下牢固基石,为金融监管的改革创新开拓思路,有必要在金融监管的整体架构中以金融监管方式改革为视角,从理论与地方实践两方面论证推行功能监管与行为监管结合的监管方式的必要性,并以此为基础进一步分析在改革中应当遵循的原则与可以采用的方法路径。

Finance means a lot for real economy as the blood of it. To be an important guarantee for the deep integration and mutual benefit of financial and entity economy, financial regulation should focus on the task of serving real economy, so as to prevent overall risk of financial market. Under the national wave of financial reform and innovation, the key that local government could do to actively promote is to base on the local situation and combine the universal law with local characteristic. Therefore, for local government, it is necessary to reflect the financial supervision patterns, demonstrate the theoretical and practical reasons for combinative implementation of functional supervision and conduct supervision, and further analyze the principle that should be followed and the methods that can be adopted in the reform.