【作者】 李红艳；

【导师】 齐艺莹；

【作者基本信息】 吉林大学 ， 金融学， 2009， 硕士

【摘要】 我国实行的分业监管体制虽然有利于监管部门明确监管目标、统筹监管资源、提高监管效率,但是随着我国金融业混业经营趋势的日益显现,分业监管隐含的问题日益突出。交叉性金融产品和金融创新导致金融监管重叠和监管真空,降低了监管效率,甚至出现监管失灵。近几年我国虽然也尝试了对各监管主体进行协调,如建立联系会议制度,经常联系机制,但是由于没有建立协调机制,使得现行的协调与推动金融创新、提高金融业效率的金融改革和发展要求相去甚远。因此,我国迫切需要建立适合我国国情的金融监管协调机制。本文反思我国金融监管协调机制存在的不足,从监管者的角度出发,对建立适合我国国情的金融监管协调制度进行了深入的思考,提出了若干建议,力求对提高监管有效性有所裨益。本文主要分为五个部分,第一部分为绪言,主要介绍了选题的背景、意义以及目前国内外学者的研究现状,并探讨了本文研究的基本路线和创新点;第二部分用经济学的理论分析了金融监管协调的定义、目标、特征、建立协调机制的必要性以及协调与独立性的关系。第三部分描述了我国金融监管协调机制的现状及面临的问题。第四部分归纳了目前主要发达国家的协调机制框架和协调实践,总结了我国协调机制建设可加以学习的有意义的经验。最后针对我国的国情提出完善我国金融监管协调机制的对策。更多还原

【Abstract】 With the gradual deepening reforms of Chinese market-oriented financial system and the opening of Chinese market after China’ s WTO entry,mixed operation trend is increasing.There has been across between banking,securities and insurance.Cross-cutting areas weakened the effectiveness of separate supervision.One of the most important reasons is that inadequate coordination mechanism of China’s financial supervision,resulting in cross-regulation,duplication supervision and regulatory gaps.Thereby reduce the efficiency of the supervision,even regulatory failure,making the implicit sub-sector regulators become increasingly prominent problem.Based on this,this article attempts to summarize the results of previous studies and establish a sound financial regulatory coordination mechanisms to improve the effectiveness of financial supervision.Besides introduction and conclusions,the article is divided into four parts.Now,introduce the specific content of this article.The first part of this article is the theoretical analysis of the Coordination Mechanism of Financial Supervision.First,described three concepts -financial supervision,Coordination Mechanism of Financial Supervision.Secondly,analysis the goal of Coordination Mechanism of Financial Supervision..Primary goal is to maintain stability of the financial system;secondary aim is to prevent duplication of regulatory, oversight supervision,to improve regulatory efficiency.Third,the Coordination Mechanism of Financial Supervision has three characteristics. Integral,Financial system is integral,so we should set up coordination mechanism from overall interests;dynamic,according to the dynamic theory,Coordination Mechanism of Financial Supervision is not fixed,but a process of continuous self-improvement;effective,analysis the costs and benefits composition of coordination mechanism and by comparing its costs and benefits to determine the feasibility of setting up the coordination mechanism.Fourth,explain the necessary of coordination financial supervision by systems theory,institutional change theory, asymmetric information theory and the needs of regulate the monitors. Finally,we discussed the relationship between coordination and independence.Coordination and independence between financial institutions are not only mutually exclusive,but also unified.In order to a better effective supervision,we should grasp the best degree of coordination and independence.The second part introduced our Coordination Mechanism of Financial Supervision from four aspects- the basic framework of coordination, coordination mechanisms,the collection and sharing of information and checking functions.Then,we analysis the defects of our Coordination Mechanism of Financial Supervision.They are:the current Coordination Mechanism of Financial Supervision can not meet the needs of the mixed operation mode;regulatory bodies do not have a strong independence; absence re-existence of major regulatory agencies has serious potential risk;ignored the important role of non-professional regulatory bodies; lack decision-making mechanism,etc.In order to adapt to the momentum of the mixed operation and to maintain financial security,we should establish a high-level Coordination Mechanism of Financial Supervision to coordinate the work of domestic financial regulation.However,setting up our country’ s Coordination Mechanism of Financial Supervision has a lot of practical difficulties,specifically in:lack institution that specialized in the implementation of the coordination;the selfish of groups department;lack effective channels of communication information; regulation of the legal system is not perfect;regulatory standards are not high.The third part discussed the developed countries’ Coordination Mechanisms of Financial Supervision.When design the coordination mechanism,all countries are fully taken into account the country’s political,economic,financial,legal and cultural factors.Therefore the ways of coordination and cooperation in financial supervision is also pluralistic.At present,the coordination and cooperation mechanism between regulatory bodies usually have three levels arrangements.The last part is the main body of this article.Establish Financial Supervisory Authority,monitor and coordinate is its basic function. Internal organs should be based on actual needs,setting up the Secretariat,Research Office and the Decision-making Office and establish Cooperation Office in Central Bank.On this basis,we argue that the basic framework of the Coordination Mechanism of Financial Supervision includes:Financial Supervisory Authority,the People’s Bank, China Banking Regulatory Commission,China Insurance Regulatory Commission,Securities and Futures Commission,Ministry of Finance,the non-professional regulatory bodies.Taking into account the vast territory and unbalanced development of financial,we recommended establish a multi-level coordination system.The content of Coordination mechanisms should include business coordination mechanism,policy co-ordination mechanism,checking coordination mechanism, accountability mechanism and decision-making mechanism.In order to safeguard the smooth operation of Coordination mechanism,we advise to set up information-sharing mechanisms,improve the laws and regulations, strengthen the independence of regulatory bodies;take more attention to the importance of non-professional supervisory function and personnel training to enhance the level of supervision. Setting up financial coordination supervision mechanism is not stable,so we should accord to the actual situation to make continuous improvement to meet the evolving requirements of the financial environment.更多还原