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完善我國(guó)金融監(jiān)管制度的對(duì)策研究-提綱
金融行業(yè)的快速發(fā)展伴隨著高收益和高風(fēng)險(xiǎn)，隨著金融資產(chǎn)和金融交易活動(dòng)的成倍增長(zhǎng)，金融業(yè)績(jī)的增長(zhǎng)遠(yuǎn)遠(yuǎn)超出了實(shí)體經(jīng)濟(jì)的增長(zhǎng)，資本流動(dòng)的增長(zhǎng)遠(yuǎn)遠(yuǎn)高于貿(mào)易的增長(zhǎng)，金融創(chuàng)新日新月異，金融市場(chǎng)上演繹的金融神話促使經(jīng)濟(jì)的虛擬化程度不斷提高，最終導(dǎo)致了過度的信用透支和金融權(quán)利的濫用，引發(fā)了金融危機(jī)。金融危機(jī)暴露了建立在監(jiān)管制度自主選擇與自由裁量基礎(chǔ)之上的傳統(tǒng)監(jiān)管模式和現(xiàn)有金融監(jiān)管制度的弊端，促使我們對(duì)不同類型的監(jiān)管模式和監(jiān)管制度進(jìn)行反思，進(jìn)而積極探索新的監(jiān)管理念，尋求新的監(jiān)管模式，完善我國(guó)的金融監(jiān)管制度。
本文以中國(guó)金融監(jiān)管制度為研究對(duì)象，結(jié)合經(jīng)濟(jì)金融相關(guān)知識(shí)，在對(duì)國(guó)外金融監(jiān)管模式進(jìn)行比較分析的基礎(chǔ)上，反思了我國(guó)現(xiàn)階段的金融監(jiān)管模式和制度，由此提出了合乎我國(guó)國(guó)情和促進(jìn)金融業(yè)發(fā)展的金融監(jiān)管模式和監(jiān)管制度改革對(duì)策。本文主要從以下五個(gè)部分進(jìn)行探討。
第一部分，敘述了本文的撰寫目的、現(xiàn)實(shí)意義，并對(duì)加強(qiáng)我國(guó)金融監(jiān)管的重要性作了簡(jiǎn)要的概括;
第二部分，簡(jiǎn)要介紹了金融監(jiān)管的涵義，并通過模型分析了金融監(jiān)管的必要性和最佳金融監(jiān)管程度，同時(shí)概述了金融監(jiān)管制度的相關(guān)理論;
第三部分，對(duì)國(guó)外英美發(fā)達(dá)國(guó)家的金融監(jiān)管模式進(jìn)行了比較分析，從而為下文提出構(gòu)建適合我國(guó)的金融監(jiān)管模式提供了借鑒意義;
第四部分，概括地論述了我國(guó)現(xiàn)階段的金融監(jiān)管模式，以及存在的主要問題與缺陷，為下文提出對(duì)策和方案指明了方向，打下了鋪墊。
第五部分，根據(jù)我國(guó)的經(jīng)濟(jì)、政治、社會(huì)發(fā)展情況，提出了適合我國(guó)發(fā)展的金融監(jiān)管模式和進(jìn)一步完善我國(guó)金融監(jiān)管制度的對(duì)策建議;
最后一個(gè)部分，是對(duì)全文的概括和總結(jié)，并對(duì)我國(guó)未來金融業(yè)的繁榮與發(fā)展進(jìn)行了展望。
關(guān)鍵詞： 金融監(jiān)管 金融監(jiān)管制度 金融監(jiān)管模式
Abstract
High yield and high risk exits in the rapid development of the financial industry. With the financial assets and financial trading activities increasing, the growth in financial performance is far beyond the growth of the real economy and the growth of capital flows is much higher than the growth in trade. Financial innovation is changing all the time and the financial myths which is in the financial markets promote the degree of virtualization in economy to increase. This situation eventually leads to excessive credit facilities and abuse of the financial right and causes a financial crisis. Financial crisis has exposed shortcomings of the traditional regulatory and the existing financial regulatory system which is based on freely choose and discretion the regulatory regime, prompting us to reflect on different types of regulatory approaches and supervisory system, and then to explore new regulatory philosophy, to seek new modes of regulation, to improve our financial regulatory system.
In this paper, China's financial regulatory system is the study. With the combination of economic and financial knowledge, it reflects our current financial regulatory models and systems on the basis of comparatively analyzing the mode of foreign financial supervision. Accordingly it puts forward reform measures of financial regulation and supervision which are in line with our national conditions and can promote the development of finance. This article discusses the following five parts. The first part describes the purpose of the article, practical significance, and gives a brief summary of the importance of strengthening financial supervision in China. The second part briefly describes the meaning of financial supervision and analyzes the necessity and the best level of financial supervision through the model, meanwhile it gives an overview of the theory of the financial regulatory system. The third part gives a comparative analysis of foreign financial regulation in developed countries like British and American, which provides a reference for the following proposal of building a model of financial regulation suitable for our nation.The fourth part generally discusses the model of financial supervision at this stage, as well as the main problems and shortcomings, which point the way and lay the groundwork for the following to come up with strategies and programs.
The fifth part puts forward financial regulatory model which is suitable for the development of our country and suggestions for the further improvement of the financial regulatory system according to the development of China's economy, politics, and society. The last part is a summary of the full text and gives a prospect of the prosperity and development of our future financial industry.
Key words: Financial regulation Financial regulation system
Patterns of Financial regulation
目錄
一 引言 - 1 -
二 金融監(jiān)管與金融監(jiān)管制度相關(guān)理論概述 - 2 -
(一)金融監(jiān)管相關(guān)理論概述 - 2 -
1、金融監(jiān)管的內(nèi)涵 - 2 -
2、金融監(jiān)管的必要性分析 - 2 -
(二)金融監(jiān)管制度相關(guān)理論概述 - 6 -
三 國(guó)外金融監(jiān)管模式比較分析 - 6 -
(一)金融監(jiān)管模式概述 - 6 -
(二)美國(guó)金融監(jiān)管模式 - 7 -
(三)英國(guó)金融監(jiān)管模式 - 8 -
四 我國(guó)現(xiàn)階段的金融監(jiān)管模式及其缺陷 - 10 -
(一)我國(guó)現(xiàn)階段的金融監(jiān)管模式 - 10 -
(二)我國(guó)金融監(jiān)管模式存在的主要問題與缺陷 - 10 -
五 進(jìn)一步完善我國(guó)金融監(jiān)管制度的對(duì)策研究 - 12 -
(一)未來我國(guó)金融監(jiān)管模式的設(shè)想 - 12 -
(二)建立和完善金融監(jiān)管的法律體系 - 14 -
(三)建立健全我國(guó)金融監(jiān)管自律機(jī)制 - 14 -
(四)建立科學(xué)的金融監(jiān)管信息系統(tǒng)和風(fēng)險(xiǎn)預(yù)警系統(tǒng) - 15 -
(五)改進(jìn)我國(guó)金融監(jiān)管方式，加強(qiáng)國(guó)際協(xié)調(diào)與合作 - 16 -
結(jié)語(yǔ) - 17 -
參考文獻(xiàn) - 18 -
謝辭 - 19 -
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