摘要
国际上金融监管体制存在三种经典模式,即机构监管、功能监管和双峰监管。这些模式是历史的产物,本身无所谓优劣之分,也不是国家干预主义或新自由主义的产物。我国金融业正处于与世界共时性和历时性的共振结构之中,同时中国又是具有特质的国家。在此种宏观视野下,我国金融监管体制改革应当秉持全球主义关照下的国家主义立场,以功能监管为目标导向,吸收机构监管和双峰监管模式的优势,以增量改革为路径,构建金稳委、央行各有侧重的宏观审慎监管与银保会、证监会微观行为监管的双峰二级监管体制。
There are three classic models in the international financial supervision system: the institutional approach;the functional approach;the twins peaks approach.These patterns are the products of history which are indifferent in themselves,and they are not products of state intervention or neo-liberalism.Now China’s financial industry is in a structure of resonance with both the synchronic and diachronic nature of the world or the product of neoliberalism,and China is a country with traits.Under such a macroscopic view,the reform of China’s financial regulatory system should uphold the nationalist position under the guise of globalism that the path of incremental reform is to construct a twins and double peaks approach with the Financial Stability and Development Committee under the State Council and the Central Bank each focused on macro-prudential supervision and the China Banking Insurance Regulatory Commission and China Securities Regulatory Commission focused on micro-behavior supervision which is aiming at functional supervision,to absorb the advantages of institutional supervision and functional approach.
作者
杜一华
DU Yi-hua(Beijing Wuzi University,Beijing 101149 China)
出处
《河北法学》
CSSCI
北大核心
2019年第6期138-151,共14页
Hebei Law Science
基金
北京物资学院校级青年基金项目<"银保会"改革视域下金融投资商品法律规制研究>(2019XJQN10)阶段性成果
关键词
金融监管体制
机构监管
功能监管
双峰监管
增量改革
financial supervision system
the institutional approach
the functional approach
the twins peaks approach
the incremental reform
