發(fā)布時(shí)間：2018-01-15 21:00

  本文關(guān)鍵詞：縣域金融監(jiān)管協(xié)調(diào)機(jī)制研究　出處：《河北大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 縣域 金融監(jiān)管 協(xié)調(diào)機(jī)制

【摘要】：隨著現(xiàn)代經(jīng)濟(jì)社會的快速發(fā)展,金融業(yè)日益成為推動國民經(jīng)濟(jì)發(fā)展的重要部門。在全球金融危機(jī)后,各國都更加注重對金融業(yè)的監(jiān)管,并著手解決金融監(jiān)管中存在的問題和弊端。相比國外而言,我國金融監(jiān)管協(xié)調(diào)機(jī)制的建設(shè)起步較晚,雖然取得了較快的發(fā)展和一定的成效,但依然存在法律制度缺失、機(jī)制內(nèi)部設(shè)計(jì)不科學(xué)、機(jī)制效力低下等弊端。尤其是目前,縣域金融快速發(fā)展,金融風(fēng)險(xiǎn)不斷累積,金融穩(wěn)定形勢日益嚴(yán)峻,改革完善縣域金融監(jiān)管協(xié)調(diào)機(jī)制,提高監(jiān)管效率,既是加強(qiáng)縣域金融監(jiān)管的重要課題之一,也是新常態(tài)下構(gòu)建宏觀審慎監(jiān)管框架的重要內(nèi)容。首先,本文介紹了我國金融監(jiān)管協(xié)調(diào)機(jī)制發(fā)展的歷史、現(xiàn)狀以及縣域金融發(fā)展的特點(diǎn),強(qiáng)調(diào)了建立縣域金融監(jiān)管協(xié)調(diào)機(jī)制的重要性。其次,本文在以前研究的基礎(chǔ)上將地方政府作為新的研究主體加入到協(xié)調(diào)機(jī)制中,根據(jù)協(xié)同學(xué)的觀點(diǎn),構(gòu)建了“地方政府、一行、三會”的金融監(jiān)管協(xié)同度模型,對縣域金融監(jiān)管協(xié)同度進(jìn)行測算,總結(jié)出影響縣域金融監(jiān)管協(xié)調(diào)機(jī)制的內(nèi)部問題和外部因素,并通過對實(shí)際案例的剖析,強(qiáng)調(diào)缺乏金融監(jiān)管協(xié)調(diào)的危害。最后,本文提出了修訂法律,確定人民銀行領(lǐng)導(dǎo)地位;厘清中央、地方金融監(jiān)管職權(quán);明確工作目標(biāo),構(gòu)建評價(jià)體系;細(xì)化協(xié)調(diào)機(jī)制設(shè)計(jì),增強(qiáng)有效性等完善縣域金融監(jiān)管協(xié)調(diào)機(jī)制的建議,并探索構(gòu)建了突出人民銀行金融監(jiān)管領(lǐng)導(dǎo)地位,由人民銀行和地方政府共同構(gòu)建集中統(tǒng)一的縣域金融監(jiān)管協(xié)調(diào)機(jī)制的路徑,為協(xié)調(diào)央地監(jiān)管和完善金融監(jiān)管有效性建設(shè)提出了一種思路。
[Abstract]:With the rapid development of modern economy and society, the financial industry has increasingly become an important sector to promote the development of the national economy. After the global financial crisis, all countries pay more attention to the supervision of the financial industry. Compared with foreign countries, the construction of financial supervision coordination mechanism in China started relatively late, although it has achieved rapid development and certain results. However, there are still shortcomings such as the lack of legal system, unscientific design and low effectiveness of the mechanism. Especially at present, with the rapid development of county finance and the accumulation of financial risks, the situation of financial stability is becoming increasingly severe. To reform and improve the coordination mechanism of county financial supervision and improve the efficiency of supervision is not only one of the important topics of strengthening county financial supervision but also an important content of constructing macro-prudential regulatory framework under the new normal. This paper introduces the history of the development of financial supervision coordination mechanism in China, the current situation and the characteristics of the county financial development, and emphasizes the importance of establishing the coordination mechanism of financial supervision at the county level. Secondly. Based on the previous research, this paper adds the local government as a new research subject to the coordination mechanism. According to the viewpoint of Synergetics, this paper constructs a financial regulatory synergy model of "local government, one line, three sessions". This paper calculates the coordination degree of county financial supervision, summarizes the internal problems and external factors that affect the coordination mechanism of county financial supervision, and emphasizes the harm of lack of financial supervision coordination through the analysis of actual cases. Finally. This paper proposes to amend the law to determine the leading position of the people's Bank of China; Clarify the central and local financial supervision authority; Make clear the work goal, construct the evaluation system; Detailed coordination mechanism design, enhance effectiveness and other suggestions to improve the county financial supervision coordination mechanism, and explore the construction of prominent people's Bank of China's leading position in financial supervision. The central bank and the local government jointly build a centralized and unified coordinated mechanism of financial supervision in the county, which provides a way to coordinate the central supervision and improve the effective construction of financial supervision.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.1

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本文編號：1430018