混業(yè)經(jīng)營趨勢下我國金融監(jiān)管模式研究

目 錄

摘要 III
abstract IV
引 言 1
1 金融業(yè)經(jīng)營體制及金融監(jiān)管模式概述 2
1.1 金融業(yè)經(jīng)營體制的含義與分類 2
1.2 金融監(jiān)管模式的含義與分類 3
2 我國金融業(yè)經(jīng)營體制與金融監(jiān)管模式的演變與現(xiàn)狀 4
2.1 我國金融業(yè)經(jīng)營體制的演變與發(fā)展 4
2.1.1 我國金融業(yè)早期的自然混業(yè)經(jīng)營狀態(tài) 4
2.1.2 我國金融業(yè)分業(yè)經(jīng)營體制確立的過程 4
2.1.3 近年來我國涌現(xiàn)的混業(yè)經(jīng)營趨勢 5
2.2 我國金融監(jiān)管模式的歷史演變與現(xiàn)狀 5
2.2.1 1984年以前的計劃經(jīng)濟(jì)體制下的金融監(jiān)管模式 5
2.2.2 1984年至1992年經(jīng)濟(jì)轉(zhuǎn)軌時期的統(tǒng)一監(jiān)管模式 5
2.2.3 1993年到1997年從統(tǒng)一監(jiān)管模式向分業(yè)監(jiān)管模式轉(zhuǎn)變 5
2.2.4 1998年至今的分業(yè)監(jiān)管模式 6
2.3 混業(yè)經(jīng)營趨勢下我國金融監(jiān)管模式面臨的問題和挑戰(zhàn) 6
2.3.1 容易造成監(jiān)管重復(fù)和監(jiān)管真空 6
2.3.2 相互獨(dú)立的監(jiān)管機(jī)構(gòu)之間存在著協(xié)調(diào)障礙 6
2.3.3 分業(yè)監(jiān)管限制了金融業(yè)務(wù)發(fā)展和創(chuàng)新的空間 7
2.3.4 金融全球化背景下的分業(yè)監(jiān)管不利于行業(yè)公平競爭 7
2.3.5 不同種類金融機(jī)構(gòu)業(yè)務(wù)往來加大了分業(yè)監(jiān)管難度 7
3 主要發(fā)達(dá)國家金融監(jiān)管模式借鑒 8
3.1 主要發(fā)達(dá)國家金融監(jiān)管模式 8
3.1.1 英國的統(tǒng)一監(jiān)管模式 8
3.1.2 美國的傘型監(jiān)管模式 9
3.1.3 日本高度集中的金融監(jiān)管模式 9
3.2 典型監(jiān)管模式對我國的啟示 10
3.2.1 基于本國國情選擇金融監(jiān)管模式 10
3.2.2 在金融監(jiān)管模式中應(yīng)存在一個總體意義上的監(jiān)管者 11
3.2.3 以明確的法律形式確立新的金融監(jiān)管模式 11
4 混業(yè)經(jīng)營趨勢下完善我國金融監(jiān)管模式的對策 12
4.1 加強(qiáng)金融監(jiān)管的協(xié)調(diào) 12
4.1.1 加強(qiáng)金融監(jiān)管機(jī)構(gòu)的協(xié)調(diào) 12
4.1.2 加強(qiáng)金融監(jiān)管內(nèi)容的協(xié)調(diào) 12
4.1.3 加強(qiáng)金融監(jiān)管的國際協(xié)調(diào) 13
4.2 我國金融監(jiān)管未來取向——統(tǒng)一監(jiān)管模式 13
4.2.1 采取混業(yè)監(jiān)管和分業(yè)監(jiān)管相結(jié)合的監(jiān)管模式 13
4.2.2 最終目標(biāo)——統(tǒng)一監(jiān)管模式 14
結(jié) 論 15
參考文獻(xiàn) 16
致謝 17

摘 要

隨著世界經(jīng)濟(jì)金融全球化和一體化進(jìn)程的加快，混業(yè)經(jīng)營已經(jīng)成為金融業(yè)發(fā)展的必然趨勢。我國金融業(yè)在2006年底已實現(xiàn)全部對外開放，因此我國金融機(jī)構(gòu)面臨的競爭壓力也越來越大。面對國外混業(yè)經(jīng)營金融機(jī)構(gòu)的進(jìn)入和國內(nèi)的競爭壓力，我國金融機(jī)構(gòu)紛紛進(jìn)行金融創(chuàng)新，不斷突破原有的業(yè)務(wù)界限，逐漸走上了金融混業(yè)經(jīng)營的道路。這些給我國金融分業(yè)監(jiān)管模式帶來了極大的挑戰(zhàn)。
本文對我國金融經(jīng)營體制和金融監(jiān)管模式的發(fā)展歷程及現(xiàn)狀進(jìn)行了探討，在分析我國金融監(jiān)管模式的現(xiàn)狀和面臨問題的基礎(chǔ)上，指出我國應(yīng)借鑒英、美、日三國由分業(yè)經(jīng)營向混業(yè)經(jīng)營轉(zhuǎn)變過程中金融監(jiān)管改革的成功經(jīng)驗，并結(jié)合我國金融監(jiān)管模式中實際存在的問題，對我國金融監(jiān)管模式的戰(zhàn)略調(diào)整，提出了一些具體的意見和建議。在當(dāng)前情況下主要是建立和完善金融監(jiān)管的協(xié)調(diào)機(jī)制，完善對金融創(chuàng)新業(yè)務(wù)、金融交叉業(yè)務(wù)和金融控股公司的監(jiān)管協(xié)調(diào)，并指出我國應(yīng)該通過不斷提高金融監(jiān)管專業(yè)化水平，循序漸進(jìn)地改革現(xiàn)行金融監(jiān)管模式，分兩個階段逐步向統(tǒng)一監(jiān)管模式過渡。

關(guān)鍵詞：
Abstract

With the acceleration of globalization of world’s economy and finance， financial integrated operation has become the development tendency of the finance industry. Our country’s financial industry had thoroughly opened to outside world. So our country’s financial institution will be confronted with competitive pressure from strength to strength. Facing foreign financial integrated operation institutions’ coming into and domestic competitive pressure， domestic financial institutions begin financial innovation one after another， and break through the limitation of original operation， and gradually walk into the road of integrated operation. With the emerging of financial holding companies and the entering of foreign financial integrated operation institutions，our financial separated supervision would face grate challenge.
On the basis of considering the evolution process and present condition of our finance operating system and regulation’s development， this paper demonstrates problems and challenges facing our finance regulation under the development trend of financial integrated operation in finance industry. Learning the successful experience of America’s and England’s and Japan’s financial supervision reform during the transition from separated operation to integrated operation and combining the problems existing in our financial supervision，the paper put forward some concrete opinions and advice for the strategic adjustment of our country’s financial supervision. At present，we should mainly perfect our financial supervision coordination mechanism: perfect supervision coordination to financial innovation operation and financial intercross operation and financial holding company，and point that considers according to our own practical circumstance， we should improve our professional level of finance regulation gradually with the help of learning western experience and a two-stage gradual transition to the Unified supervision approach.

Keywords: Financial Segregated operation; Financial integrated operation; Separated supervision; Unified supervision