地方金融风险监管:现实困境与策略选择

Local Financial Regulation:Realistic Dilemma and Strategy Choice

复杂多变的国际经济金融环境和层见叠出的新型金融工具给金融监管带来了极大挑战。我国的金融监管发展大致经历了萌芽、发展和确立完善三个阶段,目前正处于中央顶层设计调整和地方底层创新运作两线并行的逐步完善阶段。在日渐加大的经济下行压力下,全国各省、市地区金融运行整体状态表现依然平稳,但部分与金融关联密切的经济新领域如“互联网+”“房地产+”、地方政府债务等仍凸显出较大风险隐患。目前,地方政府正处于监管金融风险形成、扩散与蔓延的前沿地带,亟待在地方金融监管的法律、体制、方法和人才队伍建设等方面加以健全与完善。

Financial regulation is facing unprecedented challenges due to a more complex economic environment and the introduction of new financial instruments.The Chinese financial regulatory reforms have gone through three major stages:the initialization,the evolution,and the completion stage,and now in the last stage of top-level design by central government and low-level innovate operation by local government.Currently,China secures stable and rapid economic growth.However,risks still exist in some new areas,such as e-finance,real estate,and local government debt.As the frontline to prevent the spread of financial risks,local Financial Regulation governments are responsible for establishing robust legislative frameworks,constructing sturdy regulatory systems,diversifying regulatory approaches,and training capable enforcement officials.