改革
改革
개혁
Reform
2011年
12期
59~66
,共null页
金融监管 监管体系 统一监管 分业监管
金融鑑管 鑑管體繫 統一鑑管 分業鑑管
금융감관 감관체계 통일감관 분업감관
financial supervision, supervision system, unified supervision, augmented supervision
金融监管主要有统一监管、分业监管、不完全统一监管三种模式。发达国家和新兴市场国家都特别注重健全和完善本国金融监管体系,并依据经济社会发展的需求,对金融监管体系进行适应性变革。从长远看,中国应当走金融统一监管或综合监管之路,变分业监管为统一监管,建立统一监管、分工协作、伞形管理的金融监管体系。加强宏观金融审慎监管、理顺协调沟通机制、处理好金融创新与金融监管的关系、保护金融消费者和投资者的权益、加强国际合作是全球金融监管体系的改革趋向。
金融鑑管主要有統一鑑管、分業鑑管、不完全統一鑑管三種模式。髮達國傢和新興市場國傢都特彆註重健全和完善本國金融鑑管體繫,併依據經濟社會髮展的需求,對金融鑑管體繫進行適應性變革。從長遠看,中國應噹走金融統一鑑管或綜閤鑑管之路,變分業鑑管為統一鑑管,建立統一鑑管、分工協作、傘形管理的金融鑑管體繫。加彊宏觀金融審慎鑑管、理順協調溝通機製、處理好金融創新與金融鑑管的關繫、保護金融消費者和投資者的權益、加彊國際閤作是全毬金融鑑管體繫的改革趨嚮。
금융감관주요유통일감관、분업감관、불완전통일감관삼충모식。발체국가화신흥시장국가도특별주중건전화완선본국금융감관체계,병의거경제사회발전적수구,대금융감관체계진행괄응성변혁。종장원간,중국응당주금융통일감관혹종합감관지로,변분업감관위통일감관,건립통일감관、분공협작、산형관리적금융감관체계。가강굉관금융심신감관、리순협조구통궤제、처리호금융창신여금융감관적관계、보호금융소비자화투자자적권익、가강국제합작시전구금융감관체계적개혁추향。
Financial supervision could be divided into three modes that are unified supervision, augmented supervision and uncomplete unified supervision. Developed and emerging market countries all emphasize on improving and perfecting national financial supervision system. They often implement reform to adapt to the economic and social development. In long term, the financial supervision in China should be unified or comprehensive supervision, which requires us to change augmented to unified supervision, establish supervision system on the basis of unified supervision, division and coordination of work, management of umbrella-type. Government should strengthen prudent financial supervision,arrange the coordinational and communication mechanism, deal well with financial innovation and supervision,protect the rights of financial consumers and investors, strenghen innternational cooperation, which are the reforming trend of financial supervision system.
