銀行系統(tǒng)論文：對(duì)我國(guó)金融監(jiān)管的幾點(diǎn)思考-wenkub
2023-05-18 21:42:36 本頁(yè)面
【正文】 mation release institution。文章最后高度概括了完善金融監(jiān)管體系，提高金融監(jiān)管效率的六種方法。第三部分則針對(duì)第二部分提出的問(wèn)題給出了解決辦法來(lái)完善金融監(jiān)管體系，提高金融監(jiān)管效率。 本文闡述了作者對(duì)我國(guó)金融監(jiān)管的幾點(diǎn)認(rèn)識(shí)。 內(nèi)容摘要 加入世貿(mào)組織后，我國(guó)在更大的范圍和程度上參與經(jīng)濟(jì)全球化的進(jìn)程。文章第一部分闡述了在我國(guó)加入世界貿(mào)易組織對(duì)外開(kāi)放程度加深和在經(jīng)濟(jì)轉(zhuǎn)型時(shí)期的大環(huán)境下，金融監(jiān)管在我國(guó)的必要性。如：制定穩(wěn)定的宏觀經(jīng)濟(jì)政策；順應(yīng)混業(yè)經(jīng)營(yíng)的潮流；完善內(nèi)部控制；加強(qiáng)信息披露；建立健全金融立法等。 關(guān)鍵詞： 金融監(jiān)管 協(xié)調(diào)合作 混業(yè)經(jīng)營(yíng) 金融創(chuàng)新 Abstract After entering the WTO, our country takes part into the process of economic globalization in a larger range and industry which playing an important role in economic system merges into international system, which brought new , as to avoid heavy losses result from serious financial crisis, the department of financial supervision should according to the national financial regulations, lows and policies to carry out supervision. The thesis elaborates the author’s consideration about our country’s financial supervision. In the first part, the author introduced the necessity of financial supervision in our country in the macroscopic environment of that our country entering Woof that improving reform and opening up, of that the moment of changing economic the second part of thesis ,the state and problems which existing in nowadays from various angels such s as prehensive management, financial innovation ,inner control ,information release ,market restrain as well as financial supervision settlements, which aimed at the states and problems in the second part, are put forward in the next part. For instance, establish stable macroscopic economic policy。 establish sound financial lows and regulation the fourth part of thesis, the author analysis we should learn the advanced experience from developed countries such as Germany, USA, England, which established a coordination mechanism between control bank and financial supervision aspects, which aim as optimizing financial supervision at the end of thesis. Key words: Financial supervision Comprehensive management Financial innovation Coordination 目 錄 一、金融監(jiān)管在我國(guó)的必要性 ……………………………………… 1 二、金融監(jiān)管的現(xiàn)狀和存在的問(wèn)題 ………………………………… 1 （一）混業(yè)經(jīng)營(yíng)趨勢(shì)對(duì)現(xiàn)行金融監(jiān)管體制形成挑戰(zhàn) …………… 1 （二）金融創(chuàng)新使現(xiàn)行金融監(jiān)管體制面臨新困難 ……………… 2 （三）缺乏有效的內(nèi)部控制機(jī)制 ………………………………… 2 （四）缺乏充分的信息披露和有效地市場(chǎng)約束 ………………… 3 （ 五）金融監(jiān)管立法滯后 ………………………………………… 3 三、完善金融監(jiān)管體系，提高金融監(jiān)管效率 ……………………… 4 （一）制定穩(wěn)定的宏觀經(jīng)濟(jì)政策 ………………………………… 4 （二）順應(yīng)潮流實(shí)施混業(yè)監(jiān)管 …………………………………… 4 （三）完善機(jī)構(gòu)內(nèi)部控制機(jī)制 …………………………………… 4 （四）增強(qiáng)市場(chǎng)約束 ……………………………………………… 5 （五）加強(qiáng)信息披露制度 ………………………………………… 5 （六）建立健全金融法律法規(guī)體系 ……………………………… 6 四、最有效的途徑 ，最有效的方法 ………………………………… 7 （一）在操作層面上的安排 ……………………………………… 7 （二）協(xié)調(diào)合作的具體安排 ……………………………………… 8 1 對(duì)我國(guó)金融監(jiān)管的幾點(diǎn)思考 金融監(jiān)管是金融監(jiān)督與金融管理的復(fù)合稱(chēng)謂。 在整個(gè)經(jīng)濟(jì)體系中處于核心地位的金融業(yè)也進(jìn)一步融入國(guó)際金融體系中。但我國(guó)還處于經(jīng)濟(jì)轉(zhuǎn)型時(shí)期，還沒(méi)達(dá)到金融市場(chǎng)成熟發(fā)展的程度，金融市場(chǎng)規(guī)模不大，而且受?chē)?guó)際資本 流動(dòng)的沖擊和影響較大。金融業(yè)中還存在比較嚴(yán)重的信息不完備和不對(duì)稱(chēng)的現(xiàn)象，這就容易造成金融機(jī)構(gòu)違規(guī)，給整個(gè)經(jīng)濟(jì)和社會(huì)公眾的利益帶來(lái)?yè)p失，因此政府有責(zé)任采取各種措施減少 金融體系中的信息不對(duì)稱(chēng)，促進(jìn)信息的傳遞，保護(hù)掌握信息較少一方的利益，這就使金融監(jiān)管成為必然。 （二） 金融創(chuàng)新使現(xiàn)行金融監(jiān)管體制面臨新困難
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