后金融危机时期金融控股集团监管模式探析  

Research on the Supervision Model for Financial Holding Conglomerate in the Sub-prime Mortgage Crisis

作　　者：刘瑛[1] 

机构地区：[1]武汉大学WTO学院,湖北武汉430072

出　　处：《国际经贸探索》2010年第3期64-68,共5页International Economics and Trade Research

基　　金：国家社科基金2009年度重点研究项目(106-162449);教育部"国际金融危机应对研究"应急课题(2009JYJR009);教育部青年项目(09YJC820086)

摘　　要：作为一种金融创新形式,金融控股集团对我国现有的分业监管模式提出了挑战。文章在对分别监管、合并监管、伞型监管模式比较分析的基础上,提出伞型监管模式更加适应金融控股集团的监管。在监管机构设置上,应该在现有的银监会、证监会、保监会分业监管基础上指定中国人民银行为综合监管人,并逐步实现机构监管向功能监管的转变。为了保障监管制度的有效运作,应当采用整体修法的形式进行金融控股公司立法。As a kind of financial innovation, financial holding conglomerate challenges the current separate supervision system. The paper makes a comparative analysis of the styles of separate, consolidated and umbrella supervision, and concludes that umbrella supervision is more suitable. It suggests that the People＇ s Bank of China should become an umbrella supervisor, and transfer from institutional supervision to functional supervision. It also proposes a total amendment style for legislation in order to ensure the effective operation of the supervision system.

关 键 词：伞型监管 功能监管 整体修法 

分 类 号：F832.1[经济管理—金融学]