摘要
一国金融监管架构和监管重点,与该国金融结构和金融风险的特性有密切关系。金融监管改革的基本逻辑是,金融结构渐进式、趋势性调整和由此引起的金融风险变化。当前,中国金融结构变化导致金融风险的来源发生重大变化,金融风险的性质和结构亦由此发生重要变化。中国金融监管改革的基本要点是:监管模式上,实现微观审慎监管与宏观审慎政策的协调和功能上的一致;监管架构上,在功能调整后的央行和赋予微观审慎监管功能的金融监督管理委员会的基础上,构建具有"双峰"形态的监管架构;监管重点从资本监管逐渐调整为资本监管与透明度监管并重;监管方式从传统监管逐步过渡到智能监管与传统监管相结合并渐进至以智能监管为主。
A country＇s financial regulatory framework and regulatory focus are closely related to the characteristics of the country＇s financial pattern, financial structure and financial risk. The logic of financial regulation reform is gradual as the tendency of the financial structure adjustment and the resulting great changes in the financial risks. China＇s financial structure is in slowly changing trend, and the change of the financial structure leads to a significant change in the source of the financial risk, and accordingly, the nature and structure of financial risk will also be significantly changed. The basic points of reform of financial regulation in China are as follows. Firstly, in the regulatory pattern, it needs to realize the functional coordination and unification of micro-prudential supervision and macro-prudential policy. Secondly, in the regulatory framework, based on adjusting the function of the People＇s Bank of China and giving the micro prudential supervision function to ＂ the FRC＂ （Financial Regulatory Commission）, it needs to establish the ＂twin peaks regulation＂ system. Thirdly, in the regulatory focus, it needs to focuses on both the capital regulation and the transparency regulation. Fourthly, in the regulatory approach, it needs to lay emphasis on the integration of the traditional regulatory and the intelligent supervision, and gradually pay more attention to the intelligent supervision.
作者
吴晓求
WU Xiaoqiu(Renmin University, 100872)
出处
《财贸经济》
CSSCI
北大核心
2017年第7期33-48,共16页
Finance & Trade Economics
关键词
金融结构
金融风险
金融监管
理论逻辑
Financial Structure, Financial Risk, Financial Regulation, The Theory of Logical
