CAJ | 학술논문

根据二十国集团领导人达成的共识，国际金融监管改革的主要任务是修复引发危机的“断层线”，增强全球金融体系的安全稳健性，更好地满足实体经济的金融需求。目前，金融稳定理事会和巴塞尔委员会按照微观审慎、宏观审慎、金融基础设施三条脉络主导国际金融监管改革进程，取得阶段性成果，体现出以资本监管为核心、提升系统重要性金融机构监管力度、关注非银行金融中介、强调标准实施国际一致性、关注简单与复杂的平衡等基本趋势。基于对国际金融监管改革的跟踪研究和思考，为提升监管的有效性，应善于捕捉风险的动态变化，以宏观的视野做好监管制度设计，对内注重金融监管与其他宏观政策的协调配合，对外加强跨境监管协调。在做好规则制定的同时，不能忽视传统监管手段，要规制与监管并重，并发挥好信息披露和市场约束的作用。
근거이십국집단령도인체성적공식，국제금융감관개혁적주요임무시수복인발위궤적“단층선”，증강전구금융체계적안전은건성，경호지만족실체경제적금융수구。목전，금융은정리사회화파새이위원회안조미관심신、굉관심신、금융기출설시삼조맥락주도국제금융감관개혁진정，취득계단성성과，체현출이자본감관위핵심、제승계통중요성금융궤구감관력도、관주비은행금융중개、강조표준실시국제일치성、관주간단여복잡적평형등기본추세。기우대국제금융감관개혁적근종연구화사고，위제승감관적유효성，응선우포착풍험적동태변화，이굉관적시야주호감관제도설계，대내주중금융감관여기타굉관정책적협조배합，대외가강과경감관협조。재주호규칙제정적동시，불능홀시전통감관수단，요규제여감관병중，병발휘호신식피로화시장약속적작용。
As agreed by the G20 leaders, the objectives of the global financial regulatory reform were to correct the fault lines that led to the global crisis and to build a safer and resilient financial system to better serve the needs of the real economy. Led by the Financial Stability Board （FSB） and Basel Committee on Banking Supervision （BCBS） , the regulatory reform is advancing along three fronts： micro -prudential, macro -prudential, and the financial infrastructure and has made significant progress in these areas. In this process, several basic trends are becoming conspicuous, namely, centering on capital adequacy, enhancing supervisory intensity for systemically important banks, keeping close watch on non - banking financial intermediation, promoting regulatory consistency across jurisdictions, and balancing simplicity and risk sensitivity of regulations. From these cognitions and judgments, we can substantially draw inspiration or gain enlightenment to further improve the ef- fectiveness of financial regulation and supervision. Efforts are being called on supervisory authorities to have a broader vision in rule - making to capture risks in a dynamic way, strengthen the collaboration between financial regulatory policies and other areas such as monetary, fiscal and industrial policies as well as the cross - border coordination among regulators of different jurisdictions. While committed to developing good regulations, we should still keep counting on traditional supervisory tools and transparent disclosures to ensure a good implementation of regulatory policies and market discipline.