【作者】 程希志；

【导师】 萧松华；

【作者基本信息】 暨南大学 ， 金融学， 2005， 硕士

【摘要】 20世纪70年代末至90年代,西方发达国家的金融业逐步实现了从分业经营向混业经营的转变。发生转变的根本原因是由于环境发生了变化,混业经营显示出相对优势。在向混业经营转变过程中,金融机构与监管当局进行着动态博弈。在双方博弈过程中,伴随着金融监管理念的转变——从注重金融体系稳定性向稳定性与效益性并重转变——金融管制逐步放松,最终监管当局修订了法律,允许本国金融业实行混业经营。 在金融业向混业经营转变过程中,监管理念的转变导致监管目标、体制、内容和方法也不断地发生变化。监管目标从单一目标逐步地向多目标转变;监管体制逐步地从机构监管向功能监管转变,并出现向统一监管转变的趋势;监管内容逐步地从合规性监管向审慎性监管转变;监管方法上也发生了变化,更加注重金融机构的自律监管,同时加强市场纪律的作用。进入新世纪,中国的金融机构为提升自己的竞争能力,出现向混业经营转变的趋势,监管当局应根据形势的变化,不断地调整监管理念、目标、内容和方法。更多还原

【Abstract】 From the end of 70’s to 90’s in the twentieth century, the financial service’s industries of the West Countries had finished theirs mechanism’s change from the segregation to the integration. The basic reason of the transition was that the later had some comparative advantages when the surroundings had changed. In the process of the transition, there was a dynamic game between the financial enterprises and the authorities of financial regulation. The past aim of financial regulation was to keep the stability of financial system, but it had been replaced by a new aim that emphasized two faces which were the stability of financial system and the benefit of the financial enterprises. The change of the regulation’s aim resulted in the emendation of the financial laws. The new laws permit the financial enterprises to supply different financial services to their clients in the same time.In the process of the transition from the segregated financial system to the integrated one, the aims, the mechanism, the contents, the measures of the financial regulation had also been altered gradually The aims of the financial regulation had been slowly replaced from one aim to several aims. The mechanism of financial regulation had been gradually replaced from the setup of regulation to the function of regulation. The content of the financial regulation had been gradually replaced from rule-based regulation to prudential-based regulation. Some new methods had been used in the financial regulation, such as self-regulation and market’s restriction. In the new century, the Chinese financial system had a trend towards the integrated financial system because the financial enterprises wanted to improve its capacity of competition. Meanwhile, the authorities of financial regulation should alter their regulation’s aims, mechanism , content and methods.更多还原