关于强化行为监管完善我国金融监管体系的若干思考

Thoughts on the Perfection of Business Conduct Supervision of China’s Financial Institutions

2008年国际金融危机以来,建立和完善行为监管体系,实行审慎监管与行为监管并重的"双峰"监管模式成为许多国家金融市场改革的共识和方向。在我国互联网金融风险集中显现后,金融监管部门愈加重视行为监管。现阶段,对于行为监管还存在理论误区,我国行为监管采取由"一行两会"分业监管的"内双峰"监管模式,尚未很好地发挥其应有的监管功能。进一步强化行为监管,在借鉴和总结发达国家行为监管实践经验的基础上,建议采取立法先行、完善顶层设计,搭建以维护中小金融消费者权益为目标的安全网,建立社会各方共同参与的多层次金融安全防控体系,倡导以金融消费者权益保护为核心的金融创新理念等措施。

Since the financial crisis in 2008,the establishment and improvement of business conduct supervision systems and the implementation of the "Twin Peaks"model that emphasizes both prudential and business conduct supervision have become the direction of financial market reforms in many countries. After the revealing of Internet financial risks in China,regulators have paid more attention to business conduct supervision. At this stage,there are still theoretical misunderstandings about business conduct supervision. China’s business conduct supervision adopts the "internal Twin Peaks"supervision mode and has not yet exerted its proper supervision function. Then,based on the practical experience of business conduct supervision in developed countries,the article summarizes several financial Policy recommendations such as putting forward legislation and improving the top-level design,building a safety net with the goal of protecting the rights of financial consumers,building a multi-level financial security prevention and control system with the participation of all parties in the society.