混業(yè)經(jīng)營(yíng)趨勢(shì)下我國(guó)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(yíng)體制及金融監(jiān)管模式概述 2
1.1 金融業(yè)經(jīng)營(yíng)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(guó)金融業(yè)經(jīng)營(yíng)體制與金融監(jiān)管模式的演變與現(xiàn)狀 4
2.1 我國(guó)金融業(yè)經(jīng)營(yíng)體制的演變與發(fā)展 4
2.1.1 我國(guó)金融業(yè)早期的自然混業(yè)經(jīng)營(yíng)狀態(tài) 4
2.1.2 我國(guó)金融業(yè)分業(yè)經(jīng)營(yíng)體制確立的過程 4
2.1.3 近年來我國(guó)涌現(xiàn)的混業(yè)經(jīng)營(yíng)趨勢(shì) 5
2.2 我國(guó)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(jì)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(shí)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(yíng)趨勢(shì)下我國(guó)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(jìng)爭(zhēng) 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(guó)家金融監(jiān)管模式借鑒 8
3.1 主要發(fā)達(dá)國(guó)家金融監(jiān)管模式 8
3.1.1 英國(guó)的統(tǒng)一監(jiān)管模式 8
3.1.2 美國(guó)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(duì)我國(guó)的啟示 10
3.2.1 基于本國(guó)國(guó)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(gè)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(yíng)趨勢(shì)下完善我國(guó)金融監(jiān)管模式的對(duì)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(guó)際協(xié)調(diào) 13
4.2 我國(guó)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(yíng)已經(jīng)成為金融業(yè)發(fā)展的必然趨勢(shì)。我國(guó)金融業(yè)在2006年底已實(shí)現(xiàn)全部對(duì)外開放，因此我國(guó)金融機(jī)構(gòu)面臨的競(jìng)爭(zhēng)壓力也越來越大。面對(duì)國(guó)外混業(yè)經(jīng)營(yíng)金融機(jī)構(gòu)的進(jìn)入和國(guó)內(nèi)的競(jìng)爭(zhēng)壓力，我國(guó)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(yíng)的道路。這些給我國(guó)金融分業(yè)監(jiān)管模式帶來了極大的挑戰(zhàn)。
本文對(duì)我國(guó)金融經(jīng)營(yíng)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(guó)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(guó)應(yīng)借鑒英、美、日三國(guó)由分業(yè)經(jīng)營(yíng)向混業(yè)經(jīng)營(yíng)轉(zhuǎn)變過程中金融監(jiān)管改革的成功經(jīng)驗(yàn)，并結(jié)合我國(guó)金融監(jiān)管模式中實(shí)際存在的問題，對(duì)我國(guó)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(duì)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(guó)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(gè)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