摘要
从防范系统性风险角度,对2008年国际金融危机反思的直接成果就是建立国际统一流动性监管标准,将流动性监管置于与资本监管同样重要的地位。回顾微观审慎监管向宏观审慎监管与微观审慎监管并重转变中我国流动性监管法律制度的演进过程,有利于发现问题、更好前行。我国流动性监管法律制度的从无到有,是一个后发国家制度模仿与创新的过程,更是维护金融安全、守住不发生系统性风险底线的坚持与努力。我国现行流动性监管制度体系,主要以较低层次规章和规范性文件为载体,存在政策依据过多、法律依据不足、不能适应当下金融市场深度融合等问题。为此,从进一步改革现行监管体制、使其更好适应我国金融市场深度融合、综合经营改革需求的角度,制定、修订相关金融法律,规定流动性监管统一规则与指标。
From the perspective of preventing systemic risks,one direct result of the reflection on the 2008 international financial crisis is the establishment of a unified international liquidity supervision standard and placing liquidity supervision in the same important position as capital supervision.Reviewing the evolution process of China’s liquidity supervision legal system during the transition from micro-prudential supervision to macro-prudential supervision and micro-prudential supervision is conducive to discovering problems and moving forward better.The emergence of liquidity supervision legal system is a process of imitating and innovating the system of a late-developing country.It is also the persistence and effort to maintain financial security and keep the bottom line of systemic risks free.China’s current liquidity supervision legal system mainly uses lower-level regulations and regulatory documents as the carrier,and there are problems such as insufficient legal basis and inability to adapt to the deep integration of the current financial market.To this end,from the perspective of further reforming the current regulatory system to better adapt to the needs of China’s financial market deep integration and comprehensive management reform,when formulating and revising relevant financial laws,uniform rules and indicators for liquidity supervision should be stipulated.
作者
刘丹冰
许青伟
LIU Dan-bing;XU Qing-wei(School of Law,Northwest University,Xi’an 710127,China)
出处
《西北大学学报(哲学社会科学版)》
CSSCI
北大核心
2021年第4期103-116,共14页
Journal of Northwest University:Philosophy and Social Sciences Edition
基金
国家社会科学基金后期资助项目“中国金融法律制度创新与演进研究(1978—2018)”(20FFXB028)的阶段性研究成果。
关键词
系统性风险
流动性覆盖率
净稳定资金率
中国风险导向的偿付能力体系
systematic sisk
Liquidity Coverage Ratio(LCR)
Net Stable Funding Ratio(NSFR)
China Risk Oriented Solvency System(C-ROSS)