从本轮金融监管体制改革看金融廉洁风险监管

Looking at financial integrity risk supervision from this round of financial regulatory system reform

我国金融监管体制迎来新一轮改革。前不久,中共中央、国务院印发了《党和国家机构改革方案》,从本次改革方案来看,深化金融监管体制改革被置于首位,涉及多项金融监管改革举措,包括:组建中央金融委员会和中央金融工作委员会,加强党中央对金融工作的集中统一领导;明确组建国家金融监督管理总局,并升级为国务院直属机构,统筹除证券业之外的金融业监管;统筹推进人民银行分支机构改革,以及深化地方金融监管体制改革等,中国金融监管体系将形成“一行一总局一会”的新格局。本次金融监管体制改革,主动顺应金融发展趋势,以防范系统性金融风险为主要目标,横向优化了“一行两会”之间的监管职责划分,纵向理顺了中央与地方的金融监管体制,从根本上理清了机构监管与功能监管、宏观审慎与微观审慎、审慎监管与行为监管之间的关系,进一步完善了中国特色的“双峰”监管模式,有助于统筹强化金融监管,防范系统性金融风险,必将对我国金融业带来深远影响。基于此,本期《中国银行业》杂志邀请来自监管、银行机构、研究机构的专业人士,围绕“金融监管体制新局”这一主题组稿,分享真知灼见,从不同角度深入分析本次改革的深层次逻辑和产生的深远影响。

At present,financial regulatory system in China is ushering in a new round of reform.The Plan on Reforming Pary and State Institutions clearly states that a central commission for finance and a central commission for financial work will be established to strengthen CPC Central Committee's centralized and unified lcadership over financial work.This article points out that this round of financial regulatory system reform has strengthened CPC's centralized and unified leadership on financial work,strengthened the top-level design of financial stability and deve lopment,and coordinated the effective supervision of"financial affairs"and"financial personnel",help gradually create a"twin peaks"regulatory model with Chinese characteristics,and pointed out the direction and provided a path for exploring and promoting the supervision of financial integrity risks.