基层央行金融监管体系的建设与思考

The Construction and Thinking Of the Basic-level Central Bank’s Financial Supervision System

随着金融市场化、国际化和网络化的不断深入,我国的央行金融市场监管体系也逐步变化为央地双层监管,这也就要求基层央行必须进一步提升监管效率。基于此,首先分析基层央行金融监管体系的现状,然后进一步分析新时期提升其监管效能的必要性,继而从外部和内部两个层面说明其监管效能存在的挑战和不足,最后从定位意识、法律保障、人才培养和内部交流四个方面提出相关的对策建议。

With the continuous deepening of financial marketization,internationalization and networking,my country’s central bank financial market supervision system has gradually changed to central and local two-tier supervision,which also requires the grassroots central bank to further improve the supervision efficiency. Taking this as the research theme,first analyze the current situation of the basic-level central bank financial supervision system,and then further analyze the need to improve its supervision efficiency in the new era. The third part explains in detail the specific aspects of its insufficient supervision efficiency from both external and internal levels. Finally,based on the above analysis,some policy suggestions and reflections are put forward from four aspects: orientation awareness,legal protection,talent training and internal communication.