中国特色金融监管与中国式愿景——兼评监管的历程、特征、内涵和方向  

The Financial Regulation with Chinese Characteristics and Chinese Style Vision—Comment on the Process,Characteristics,Connotation,and Direction of Chinese Financial Supervision

作　　者：蔡宁伟[1] Cai Ningwei(Compliance Department,China CITIC Bank Head Office,Beijing 100075,China)

机构地区：[1]中信银行总行合规部,北京100075

出　　处：《当代经济管理》2024年第9期77-86,共10页Contemporary Economic Management

摘　　要：文章梳理了中国特色金融监管的整体历程,初步划分了统一监管、分业监管、混业监管三个阶段。在此基础上,归纳了中国特色金融监管的主要特征,提出人民性、发展性、普惠性、先进性和安全性五大特征及其内在逻辑。结合近期国家金融强国和中国式现代化目标,梳理了中国特色金融监管的核心内涵,阐释了机构监管、行为监管、功能监管、穿透式监管、持续监管和兜底监管的关系与主要作用。尝试从逻辑思维和哲学联系上分析金融强国和中国式现代化对中国特色金融监管的要求,客观剖析可以持续提升的空间,并分别探讨愿景与金融监管、金融从业者的关系。This paper reviews the overall process of financial regulation with Chinese characteristics,and preliminarily divides it into three stages:unified regulation,segmented regulation,and mixed regulation.On this basis,it summarizes the main characteristics of financial regulation with Chinese characteristics,and proposes five major characteristics and their internal logic:people orientation,development orientation,inclusiveness,progressiveness,and security.Combining the recent goal of developing financial power and Chinese modernization,this paper combs the core connotation of financial regulation with Chinese characteristics,and explains the relationship and main role of institutional regulation,behavioral regulation,functional regulation,penetrating regulation,continuous regulation,and bottom-up regulation.Then,we try to analyze the requirements of buiding financial power and Chinese path to modernization on financial regulation with Chinese characteristics logically and philosophically,and objectively analyze the space for continuous improvement.At last,we discuss the relationship between vision,financial regulation and financial practitioners respectively.

关 键 词：中国特色 金融监管 金融强国 统一监管 分业监管 混业监管 

分 类 号：F832[经济管理—金融学]