發(fā)布時間：2018-10-22 08:30

【摘要】：20世紀末以來,金融混業(yè)經(jīng)營成為世界金融業(yè)發(fā)展的新趨勢,在全球金融混業(yè)經(jīng)營的浪潮中,我國的金融混業(yè)經(jīng)營的逐步出現(xiàn),使得我國原有的分業(yè)監(jiān)管模式表現(xiàn)出了諸多問題,因此勢必要對現(xiàn)行金融監(jiān)管模式做出適當?shù)恼{(diào)整和改革。在未來我國金融監(jiān)管模式的選擇問題上,根據(jù)我國的具體國情和混業(yè)經(jīng)營發(fā)展的不同階段,在循序漸進的基礎(chǔ)上實現(xiàn)分業(yè)監(jiān)管向統(tǒng)一監(jiān)管過渡。 本文共分為四個部分。 第一部分緒論 第二部分闡述了目前我國金融業(yè)混業(yè)經(jīng)營的發(fā)展狀況及分業(yè)監(jiān)管的模式約束,對目前我國金融業(yè)的發(fā)展背景進行了梳理。 第三部分分析了當前我國金融業(yè)混業(yè)經(jīng)營對現(xiàn)有監(jiān)管模式造成的沖擊與挑戰(zhàn),所暴露出的五個主要方面的問題,說明了適時對我國現(xiàn)行金融監(jiān)管模式進行調(diào)整與改革的必要性。 第四部分是本文的重點部分,主要針對如何解決以上存在的問題,對應(yīng)采取的金融監(jiān)管模式及措施進行的論述： 首先,從金融監(jiān)管理論出發(fā),介紹了幾種主要監(jiān)管模式及各自的優(yōu)缺點,列舉了國外具代表性的幾種金融監(jiān)管模式,對其進行了分析和比較。說明：完善、恰當?shù)慕鹑诒O(jiān)管模式應(yīng)當根據(jù)一國的環(huán)境因素的變化而不斷變化。其次,針對目前我國金融業(yè)的混業(yè)經(jīng)營還停留在較低層次,統(tǒng)一監(jiān)管的條件還不成熟。闡述了現(xiàn)階段維護分業(yè)監(jiān)管模式、加強監(jiān)管協(xié)調(diào)、提高監(jiān)管有效性的觀點。通過金融監(jiān)管專業(yè)化水平的不斷提高,循序漸進地改革現(xiàn)行金融監(jiān)管模式,逐步向統(tǒng)一監(jiān)管過渡。最后,統(tǒng)一監(jiān)管的條件已基本成熟,借鑒英國監(jiān)管模式,對我國金融監(jiān)管機構(gòu)進行精簡合并,將銀監(jiān)會、證監(jiān)會、保監(jiān)會合并成立中國金融監(jiān)督管理委員會,三大監(jiān)管部門成為金融監(jiān)管委員會的內(nèi)設(shè)部門,按金融業(yè)務(wù)分別對我國銀行業(yè)、證券業(yè)、保險業(yè)進行功能性混業(yè)監(jiān)管。
[Abstract]:Since the end of the 20th century, the financial mixed operation has become a new trend in the development of the world financial industry. In the wave of global financial mixed operation, the financial mixed operation of our country has gradually appeared. Therefore, it is necessary to adjust and reform the current financial supervision model. With regard to the choice of financial supervision mode in the future, according to the specific conditions of our country and the different stages of the development of mixed operation, the transition from separate supervision to unified supervision is realized on the basis of gradual and orderly progress. This paper is divided into four parts. The first part is the introduction. The second part expounds the development of the mixed operation of the financial industry in China and the restriction of the mode of separate supervision, and combs the background of the development of the financial industry in our country at present. The third part analyzes the impact and challenge caused by the current mixed operation of our financial industry to the existing supervision mode, and reveals the problems in five main aspects, and explains the necessity of timely adjustment and reform of the current financial supervision mode in our country. The fourth part is the key part of this paper, mainly focusing on how to solve the above problems, corresponding to the financial supervision model and measures: first, from the financial supervision theory, This paper introduces several main supervision modes and their advantages and disadvantages, enumerates several representative financial supervision modes abroad, and analyzes and compares them. Explanation: a sound and appropriate financial regulatory model should be constantly changing according to a country's environmental factors. Secondly, the mixed operation of our financial industry is still at a lower level, and the condition of unified supervision is not mature. This paper expounds the viewpoint of maintaining the mode of separate supervision, strengthening the coordination of supervision and improving the effectiveness of supervision. Through the continuous improvement of the specialization of financial supervision, the current mode of financial supervision is reformed step by step, and the transition to unified supervision is made step by step. Finally, the conditions for unified supervision have basically matured, drawing lessons from the British regulatory model, streamlining and merging our financial regulatory institutions, and merging the CBRC, CSRC and CIRC to form the China Financial Supervision and Management Commission. The three regulatory departments have become the internal departments of the Financial Supervision Committee, which respectively supervise the banking, securities and insurance industries in China according to the financial business.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.1

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