世界金融监管改革发展对中国的启示——以近期美欧金融监管改革为视角  

The Enlightenment of the Reform and Development of Global Financial Supervision on China ——An Interpretation from Recent Financial Supervision Reform of US and EU

作　　者：彭少辉[1] 

机构地区：[1]华东政法大学,上海201620

出　　处：《天津市财贸管理干部学院学报》2011年第3期27-31,50,共6页Journal of Tianjin Institute of Financial and Commercial Management

基　　金：2010-2011年度华东政法大学研究生创新能力培养专项资金项目"金融领域犯罪新问题实证研究--以上海国际金融中心建设为背景"项目编号:103092;2010年度国家社科基金项目"近年金融领域刑事司法状态的实证研究"

摘　　要：全球金融危机的深刻教训使各国纷纷反思其金融监管制度,美国《多德—弗兰克法案》的立法意旨在于加强对系统性风险的防范和对弱势群体的金融保护,《巴塞尔协议III》相比以前的两个版本,其监管要求和监管标准都有了进一步提高。监管方要调整监管观念,从关注"管住风险,管住金融机构"转向"促进竞争、发展来降低风险"。短期内,分业监管模式与我国当前金融业发展水平较为符合,但从发展的眼光看,中国大陆的监管体系应逐步过渡到"一行一会",即一个央行一个金融监督管理委员会监管模式。The lesson of global financial crisis has made countries rethink their financial supervision system.The Dodd-Frank Wall Street Reform and Consumer Protection Act,which aiming at strengthening the defense of system risk and the protection towards vulnerable groups.And Basel III,comparing with the previous visions,has enhanced the supervision demands and standards.The supervisor should adjust the ideas from paying attention to ＂controlling risk and financial institutes＂ to ＂pushing competition and development to lower risks＂.In short term,the mode of separate regulation can fit the current development of the financial situation in China.But from long term,the supervision system should be changed into ＂one bank,one committee＂——the mode of ＂one central bank and one financial supervision commission＂.

关 键 词：金融监管 金融发展 监管模式 

分 类 号：F831.59[经济管理—金融学]