地方金融监管机构的职责、痛点与监管方向研究

Research on theResponsibilities,Pain Points and Supervision Direction of Local Financial Regulators

基于金融监管半径及细度、深度,互联网新技术的产生带来金融业务的高成长性以及中央与地方的行政分权体制决定了成立地方金融监管局的必要性,但地方金融监管机构由于其监管对象具有特定的内容,同国家监管机构相比既有很多的优势,也有不少的劣势,因时因地选择监管战略是充分发挥地方金融监管机构的作用,防范地方金融风险的重要前提条件。

Based on the radius,fineness and depth of financial supervision,the high growth of financial business brought by the new Internet technology and the administrative decentralization system of the central and local governments,all of these determine the necessity of establishing local financial supervision institutions.However,local financial regulators have many advantages and disadvantages compared with national regulators because of their regulatory objects have specific contents.Therefore,it is an important prerequisite for local financial regulators to choose the regulatory strategy according to the time and the place,and prevent local financial risks.