系统重要性金融机构监管国际改革的路径:理念、主体与政策  

The International Regulatory Reform of Systemically Important Financial Institutions: the Path Exploration and Inspiration

作　　者：钟震[1] 郭立[2] 姜瑞[3] 

机构地区：[1]中国人民银行金融研究所博士后流动站,北京100800 [2]中央电视台财经频道,北京100859 [3]澳大利亚国立大学克劳福德经济与政府学院

出　　处：《江苏师范大学学报（哲学社会科学版）》2014年第1期130-135,共6页Journal of Jiangsu Normal University：Philosophy and Social Sciences Edition

基　　金：国家社会科学基金一般项目"系统重要性金融机构宏观审慎监管"(12BJY159);国家软科学基金"系统性金融风险与国家金融安全预警机制研究"(2010GXS5B174);国家社科基金重点项目"系统性金融风险与宏观审慎监管研究"(12AJY012)的阶段性成果

摘　　要：系统重要性金融机构监管问题成为后危机时代国际社会关注的焦点。目前,我国工商银行和中国银行被列入第三批全球系统重要性银行名单,平安保险集团也被列入全球系统重要性保险机构,我国系统重要性金融机构监管任务艰巨。但相较于其他国家,我国系统重要性金融机构监管还处在起步阶段,尚未公布相关定义、识别标准和名单。应从监管理念、监管主体、监管政策三个层面入手,探析主要国家对系统重要性金融机构监管改革的基本路径,以期寻求一条适合我国系统重要性金融机构监管改革之路。系统重要性金融机构国际改革经验主要可以归纳为三点,即重塑监管理念、重构监管主体、调整监管政策。因此,未来我国系统重要性金融机构监管应在坚持前瞻性的监管理念的基础上,择机推行监管工具和监管政策,并逐步优化监管体制的制度安排。In the post-crisis era, the international community has focused more attention on the issue of regulation of Systemically Important Financial Institutions （SIFIs）. At present, Industrial and Commercial Bank of China （ICBC） and Bank of China （BOC） have been included to the list of the global systemically banks （G-SIBs） and Ping An Insurance （Group） Company of China has listed as a global systemically important insurance company. Obliviously, the issue of regulation of SIFIs in China is an arduous task. However, it is at an early stage in China, not mentioned to the definition, the recognition criteria and the lists com- pared to other countries. This paper seeks the basic path of the international reform from the differential analysis on the regulatory philosophy, the regulatory body and the regulatory policy. We put forward the suitable way in China. This paper concludes the international regulatory reform into three terms： to reshape the regulatory philosophy, to reconstruct regulatory body and to adjust regulatory policies. Therefore, we believe that the regulation of SIFIs in China should insist on the forward - looking regulatory philosophy, and then choose the timely regulatory tools and regulatory policies, and gradually optimize the regulatory system.

关 键 词：系统重要性金融机构 改革路径 国际监管改革 

分 类 号：F832.1[经济管理—金融学]