完善我国金融监管制度的对策研究

论文编号:JR232  论文字数:13420,页数:23

完善我国金融监管制度的对策研究
   摘要
 金融行业的快速发展伴随着高收益和高风险，随着金融资产和金融交易活动的成倍增长，金融业绩的增长远远超出了实体经济的增长，资本流动的增长远远高于贸易的增长，金融创新日新月异，金融市场上演绎的金融神话促使经济的虚拟化程度不断提高，最终导致了过度的信用透支和金融权利的滥用，引发了金融危机。金融危机暴露了建立在监管制度自主选择与自由裁量基础之上的传统监管模式和现有金融监管制度的弊端，促使我们对不同类型的监管模式和监管制度进行反思，进而积极探索新的监管理念，寻求新的监管模式，完善我国的金融监管制度。
  本文以中国金融监管制度为研究对象，结合经济金融相关知识，在对国外金融监管模式进行比较分析的基础上，反思了我国现阶段的金融监管模式和制度，由此提出了合乎我国国情和促进金融业发展的金融监管模式和监管制度改革对策。本文主要从以下五个部分进行探讨。
 第一部分，叙述了本文的撰写目的、现实意义，并对加强我国金融监管的重要性作了简要的概括；
 第二部分，简要介绍了金融监管的涵义，并通过模型分析了金融监管的必要性和最佳金融监管程度，同时概述了金融监管制度的相关理论；
 第三部分，对国外英美发达国家的金融监管模式进行了比较分析，从而为下文提出构建适合我国的金融监管模式提供了借鉴意义；
 第四部分，概括地论述了我国现阶段的金融监管模式，以及存在的主要问题与缺陷，为下文提出对策和方案指明了方向，打下了铺垫。
 第五部分，根据我国的经济、政治、社会发展情况，提出了适合我国发展的金融监管模式和进一步完善我国金融监管制度的对策建议；
 最后一个部分，是对全文的概括和总结，并对我国未来金融业的繁荣与发展进行了展望。
关键词：   金融监管    金融监管制度 金融监管模式    
 
 
 
 Abstract
 High yield and high risk exits in the rapid development of the financial industry. With the financial assets and financial trading activities increasing, the growth in financial performance is far beyond the growth of the real economy and the growth of capital flows is much higher than the growth in trade. Financial innovation is changing all the time and the financial myths which is in the financial markets promote the degree of virtualization in economy to increase. This situation eventually leads to excessive credit facilities and abuse of the financial right and causes a financial crisis. Financial crisis has exposed shortcomings of the traditional regulatory and the existing financial regulatory system which is based on freely choose and discretion the regulatory regime, prompting us to reflect on different types of regulatory approaches and supervisory system, and then to explore new regulatory philosophy, to seek new modes of regulation, to improve our financial regulatory system.
  In this paper, China''s financial regulatory system is the study. With the combination of economic and financial knowledge, it reflects our current financial regulatory models and systems on the basis of comparatively analyzing the mode of foreign financial supervision. Accordingly it puts forward reform measures of financial regulation and supervision which are in line with our national conditions and can promote the development of finance. This article discusses the following five parts.     The first part describes the purpose of the article, practical significance, and gives a brief summary of the importance of strengthening financial supervision in China.    The second part briefly describes the meaning of financial supervision and analyzes the necessity and the best level of financial supervision through the model, meanwhile it gives an overview of the theory of the financial regulatory system.     The third part gives a comparative analysis of foreign financial regulation in developed countries like British and American, which provides a reference for the following proposal of building a model of financial regulation suitable for our nation.The fourth part generally discusses the model of financial supervision at this stage, as well as the main problems and shortcomings, which point the way and lay the groundwork for the following to come up with strategies and programs.
 The fifth part puts forward financial regulatory model which is suitable for the development of our country and suggestions for the further improvement of the financial regulatory system according to the development of China''s economy, politics, and society.    The last part is a summary of the full text and gives a prospect of the prosperity and development of our future financial industry.
Key words:  Financial regulation   Financial regulation system
         Patterns of Financial regulation 
 
 
 目录
一 引言 - 1 -
二 金融监管与金融监管制度相关理论概述 - 2 -
（一）金融监管相关理论概述 - 2 -
1、金融监管的内涵 - 2 -
2、金融监管的必要性分析 - 2 -
（二）金融监管制度相关理论概述 - 6 -
三  国外金融监管模式比较分析 - 6 -
（一）金融监管模式概述 - 6 -
（二）美国金融监管模式 - 7 -
（三）英国金融监管模式 - 8 -
四 我国现阶段的金融监管模式及其缺陷 - 10 -
（一）我国现阶段的金融监管模式 - 10 -
（二）我国金融监管模式存在的主要问题与缺陷 - 10 -
五 进一步完善我国金融监管制度的对策研究 - 12 -
（一）未来我国金融监管模式的设想 - 12 -
（二）建立和完善金融监管的法律体系 - 14 -
（三）建立健全我国金融监管自律机制 - 14 -
（四）建立科学的金融监管信息系统和风险预警系统 - 15 -
（五）改进我国金融监管方式，加强国际协调与合作 - 16 -
结语 - 17 -
参考文献 - 18 -
谢辞 - 19 -