金融强国视角下地方金融“央—地”双层监管体制的路径完善

From the Perspective of Financial Power,the path of the“Central-local”Double-layer Supervision System of Local Finance is Improved

为有效防范地方金融风险的产生和蔓延,我国逐渐构建起地方金融“央—地”双层监管体制,但实践效果不够理想,存在“央—地”价值取向不同、法律依据缺失、“央—地”监管范围不明、权责失衡、信息不对称以及地方政府的能力不足等现实问题。国家需要结合现实需求加强高位阶的立法、变革金融监管理念、明晰“央—地”金融监管范围和权责界限、建立信息共享平台以及设置相应的外部监督问责制度,促进“央—地”之间形成金融监管合力,依法共治。

In order to effectively prevent the occurrence and spread of local financial risks,China has gradual-ly built a two-tier regulatory system of local financial“central-local”,but the practical effect is not ideal,and there are practical problems such as different value orientations of“central-local”,lack of legal basis,unclear scope of“central-local”supervision,imbalance of rights and responsibilities,information asymmetry,and insufficient ca-pacity of local governments.Therefore,the state needs to strengthen high-level legislation in light of practical needs,change the concept of financial supervision,clarify the scope and boundaries of power and responsibility of the“central government-local”financial supervision,establish an information sharing platform,and set up a corre-sponding external supervision and accountability system,so as to promote the formation of a joint force of financial supervision between the“central government and the local government”and co-governance in accordance with the law.