金融监管研究
金融鑑管研究
금융감관연구
Financial Regulation Research
2015年
3期
64-77
,共14页
行为监管%金融消费者保护%审慎监管
行為鑑管%金融消費者保護%審慎鑑管
행위감관%금융소비자보호%심신감관
Behavior Supervision%Consumer Financial Protection%Prudential Supervision
本文分析了金融业行为风险、行为监管、金融消费者保护及其相互关系，指出审慎监管与行为监管（金融消费者保护）具有互补性、差异性，也有潜在冲突的可能。审慎监管与行为监管要有机平衡，不能顾此失彼。次贷危机表明，过去监管实践中更容易忽视行为监管，弱化金融消费者保护。危机后，各国都在加强行为监管。我国也需要结合国内实际情况，完善行为监管体系，形成审慎监管与行为监管有效互补的监管框架。
本文分析瞭金融業行為風險、行為鑑管、金融消費者保護及其相互關繫，指齣審慎鑑管與行為鑑管（金融消費者保護）具有互補性、差異性，也有潛在遲突的可能。審慎鑑管與行為鑑管要有機平衡，不能顧此失彼。次貸危機錶明，過去鑑管實踐中更容易忽視行為鑑管，弱化金融消費者保護。危機後，各國都在加彊行為鑑管。我國也需要結閤國內實際情況，完善行為鑑管體繫，形成審慎鑑管與行為鑑管有效互補的鑑管框架。
본문분석료금융업행위풍험、행위감관、금융소비자보호급기상호관계，지출심신감관여행위감관（금융소비자보호）구유호보성、차이성，야유잠재충돌적가능。심신감관여행위감관요유궤평형，불능고차실피。차대위궤표명，과거감관실천중경용역홀시행위감관，약화금융소비자보호。위궤후，각국도재가강행위감관。아국야수요결합국내실제정황，완선행위감관체계，형성심신감관여행위감관유효호보적감관광가。
This paper analyzesfinancial behavior risk, behavior supervision,financial consumer protection and the relationships betweenfinancial consumer protection and behavioral economics. Moreover, it points out that prudential supervision andfinancial consumer protection are in general complementary, but there are potential conflicts between them. Prudential supervision and behavior supervision ought to achieve a good balance where neither should be neglected. The sub-prime crisis indicates that the past supervisory practices are more likely to ignore behavior supervision and weakenfinancial consumer protections. After the crisis, many countries are strengthening behavior supervisions. In China, we should improve the behavior supervisory framework based on China's current situation.
