摘要
我国民间金融、互联网金融发展迅速,但因国家采用分业监管的模式,民间金融缺乏监管及监管协调机制。无论是正规金融领域,还是民间金融领域,建立金融监管协调机制意义重大。民间金融监管协调机制的重点是:中央和地方监管分工协调、地方政府与驻地国家金融监管派出机构的协调、地方政府各部门之间的协调、地方金融监管部门与其他执法司法部门的协调,以及行业自律、信息共享、联合执法检查、风险防范处置等的协调。温州通过地方性法规已经确立了民间金融监管及其监管协调机制的制度。
The informal finance and the Internet finance are thriving in China, meanwhile, the according regulation and the regulatory coordination mechanism lacks, due to the separate regulatory mode being adopted. Both in the sectors of the formal and informal finance, it is of great significance to establish the financial regulatory coordination mechanism. The focus of the regulatory coordination mechanism of the informal finance should be placed on the following. They are the coordination mechanism between the central government and local governments, between the local branches of the central regulators and the local governments, between the departments within the local government, between the local regulators and the other administrative law enforcement and juridical departments as well as the organs having such functioning as industry self-discipline, information sharing, joint law enforcement inspection, risk prevention and disposal, the protection of the financial consumers. Through the local regulations, the regulatory coordination mechanism of the informal finance was established in Wenzhou.
出处
《社会科学》
CSSCI
北大核心
2015年第4期114-122,共9页
Journal of Social Sciences
基金
浙江省社科规划优势学科重大课题"民间金融市场治理的法律制度建构及完善"(项目编号:14YSXK01ZD)的阶段性成果
关键词
民间金融
互联网金融
分业监管
监管空白
监管协调
the Informal Finance
the Internet Finanee
Separate Regulation
Regulatory Gaps
Regulatory Coordination
