金融理财业务协同监管研究  

Study on Coordinate Regulation of Financing Products

作　　者：中国人民银行杭州中心支行课题组 郑南源[1] 陆志红[1] 胡卫华[1] 李跃华[1] 潘晓斌[1] 吴云[1] 胡虎肇[1] 邵荣平[1] 吴翔[1] 

机构地区：[1]中国人民银行杭州中心支行,浙江杭州310001

出　　处：《浙江金融》2016年第3期3-9,共7页Zhejiang Finance

摘　　要：自2013年以来,金融脱媒趋势进一步加强,各金融机构跨界竞争与合作更加常态化。近年来监管部门针对跨市场理财业务出台多项政策予以规范,但也面临标准不一、多头监管、监管套利等负面效应。面对金融业的新形势、新问题,国家明确指出改革并完善适应现代金融市场发展的金融监管框架,应从"鼓励创新、规范前行"的原则出发,构建包含有效外部监管、健全内控机制以及良好市场约束的管理和发展体系,促进理财业务尽快回归代客理财本质,服务实体经济。Since 2013, the trend of financial disintermediation further strengthened, financial institutions＇ cross-mar- ket competition and cooperation more normalized. In recent years, the regulatory authorities introduced a number of poli- cies for cross-market financial services, but also faced the serious problem such as different standards, overlapping super- vision and regulatory arbitrage. Facing the new situation, the State clear stated to reform the financial regulatory framework to adapt to the development of financial markets. Next time, we should construct an effective external supervision, improve internal control mechanisms and develop good market discipline to promote financing products returning the nature of cus- tom financing and serving the real economy.

关 键 词：跨市场理财业务 监管套利 协同监管 

分 类 号：F832.2[经济管理—金融学]