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中国金融控股公司的风险透视与监管应对--兼论中国金融监管的主框架 被引量:25

The Risk Analysis of China’s Financial Holding Companies and the Regulatory Policies--A Discussion about the Main Frame of China’s Financial Regulation
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摘要 金融市场的对外开放和自由竞争加速了中国金融控股公司在分业监管框架内的适应性变革,其风险已经不再局限于混业风险;外部监管滞后和内部治理不健全有特殊的制度、市场、国情诱因。中国金融监管体制应当构建"伞形+双峰"的监管主框架,在既有的分业机构监管基础上,引入功能监管和机构监管相协调的监管机制;内部治理路径包括公司治理、股东资格、市场自律机制和信息披露规则。互联网金融控股公司的监管应当从技术和市场双轮驱动的特殊性出发,构建综合监管框架,适当引入监管外包等创新性监管手段。 The opening up and free competition of the financial market have accelerated the adaptive reform of China’s financial holding companies within the regulatory framework of separate regulation,and the risks are no longer limited to those of mixed operation;The causes of lagging external regulation and imperfect internal governance lie in the special system,market,and national conditions.China’s financial regulatory system should be built into a main regulatory framework with"umbrella+dual peak",and introduce a regulatory mechanism in which functional regulation and institutional regulation are coordinated;the internal governance paths include corporate governance,shareholder qualification,market self-regulation mechanism and information disclosure rules.The regulation of Internet financial holding companies should be based on the particularity of the two-wheel drive of technology and market,build a comprehensive regulation framework,and appropriately introduce innovative regulation methods such as regulation outsourcing.
作者 温长庆 WEN Chang-qing
出处 《金融论坛》 CSSCI 北大核心 2020年第5期33-45,80,共14页 Finance Forum
基金 国家社科基金一般项目“新发展理念下中国金融机构社会责任立法问题研究”(17BFX009) 中央高校基本科研业务费专项资金项目“财税金融法研究”(20720151038)。
关键词 金融控股公司 外部监管 内部治理 互联网金融 金融监管改革 financial holding company external regulation internal governance internet finance financial regulation reform
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