金融监管与金融创新述评  

The Review on the Financial Supervision and Financial Innovation

作　　者：周映伶[1] 彭丽里[2] 

机构地区：[1]重庆大学公共管理学院,重庆400044 [2]北京语言大学国际商学院,北京100083

出　　处：《重庆社会科学》2013年第2期94-98,共5页Chongqing Social Sciences

摘　　要：始于美国的次贷危机迅速演变为一场全球性的金融危机,并对世界经济产生了深刻影响。由此,很多学者开始对金融监管和金融创新进行深入的考问,对金融监管理论、模式、体系、制度和金融监管政策进行系统研究。金融监管与金融创新、市场自律有密切的联系。在我国现有的分业监管体制下,现阶段宜采取牵头监管和功能监管相结合的综合监管模式,待条件成熟时将监管模式由牵头模式过渡到统一监管模式。构建中小企业金融担保体系是解决中小企业融资瓶颈的重要途径。The subprime crisis dated from the United States has evolved into a global financial crisis and has a profound impact on the world economy. Therefore, many scholars have begun an in-depth examination on the financial supervision and financial innovation and made the systematic study on the theory, mode, hierarchy, system, and policy of the financial supervision . The financial supervision is closely related to the financial innovation and market discipline. In the existing separated supervision system, we should take the comprehensive supervision mode combination the leading supervision with the functional supervision at this stage, then transit to unified supervision mode when conditions are ripe. The construction of SMEs credit guarantee system is an important way to solve the financing bottleneck for the small and medium-sized enterprises.

关 键 词：金融监管 金融危机 金融创新 小企业金融服务 

分 类 号：F830.2[经济管理—金融学]