摘要
随着我国加入WTO后实行金融对外开放的深入 ,现行分散的金融监管体制存在的缺陷将日益突出 ,主要表现在 :分业监管的协调性差 ;监管重叠与监管缺位并存 ;监管机构膨胀加剧 ;金融业各部门发展失衡 ;金融风险隐患严重 ,因此 ,有必要改革现行的金融监管制度。为提高我国金融监管效率 ,增强金融业竞争实力 ,我国宜建立统一的中国金融监管机构 ,具体可选方案有两种 :一是建立中央金融监管委员会 ,负责制定银行、信托、证券、保险监管的有关政策 ;二是建立中国金融监管委员会 ,在国务院领导下 ,全面负责对银行业、信托业、证券业、保险业的审慎监管。
China has become a full member of WTO and will increase the openness in financial industry, in the process of which many defects will emerge above water in the existing diversified financial administrative and supervisory system.poor coordination in specialized supervision; concomitance of supervision overlapping and supervision omission; overstaffing of administrative and supervisory authorities and agencies; and imbalance between the developments of various sections of financial industry; dangerous potential financial risks. Therefore, it is necessary to reform the existing financial administrative and supervisory system.To improve the efficiency of China's financial administration and supervision and to increase the competitiveness of Chinese financial industry, China should establish a unified financial administrative and supervisory system. There are two alternatives: (1) To set up a Central Financial Administration and Supervision Commission with the authority to make policies on the supervision over banks, trust, securities, and insurance. (2) To set up Chinese Financial Administration and Supervision Commission which is under the jurisdiction of State Council and exercises a conservative supervision over the banking industry, trust industry, securities industry and insurance industry.
出处
《财经科学》
CSSCI
北大核心
2002年第1期6-12,共7页
Finance & Economics
基金
国务院发展中心中国发展基金会赞助
关键词
金融监管
中国
金融监管体制
金融风险
分业监管
(Financial Administration and Supervision) (Financial Risks) (Specialized Supervision)
