【摘要】：20世紀(jì)末以來(lái),金融混業(yè)經(jīng)營(yíng)成為世界金融業(yè)發(fā)展的新趨勢(shì),在全球金融混業(yè)經(jīng)營(yíng)的浪潮中,我國(guó)的金融混業(yè)經(jīng)營(yíng)的逐步出現(xiàn),使得我國(guó)原有的分業(yè)監(jiān)管模式表現(xiàn)出了諸多問(wèn)題,因此勢(shì)必要對(duì)現(xiàn)行金融監(jiān)管模式做出適當(dāng)?shù)恼{(diào)整和改革。在未來(lái)我國(guó)金融監(jiān)管模式的選擇問(wèn)題上,根據(jù)我國(guó)的具體國(guó)情和混業(yè)經(jīng)營(yíng)發(fā)展的不同階段,在循序漸進(jìn)的基礎(chǔ)上實(shí)現(xiàn)分業(yè)監(jiān)管向統(tǒng)一監(jiān)管過(guò)渡。 本文共分為四個(gè)部分。 第一部分緒論 第二部分闡述了目前我國(guó)金融業(yè)混業(yè)經(jīng)營(yíng)的發(fā)展?fàn)顩r及分業(yè)監(jiān)管的模式約束,對(duì)目前我國(guó)金融業(yè)的發(fā)展背景進(jìn)行了梳理。 第三部分分析了當(dāng)前我國(guó)金融業(yè)混業(yè)經(jīng)營(yíng)對(duì)現(xiàn)有監(jiān)管模式造成的沖擊與挑戰(zhàn),所暴露出的五個(gè)主要方面的問(wèn)題,說(shuō)明了適時(shí)對(duì)我國(guó)現(xiàn)行金融監(jiān)管模式進(jìn)行調(diào)整與改革的必要性。 第四部分是本文的重點(diǎn)部分,主要針對(duì)如何解決以上存在的問(wèn)題,對(duì)應(yīng)采取的金融監(jiān)管模式及措施進(jìn)行的論述： 首先,從金融監(jiān)管理論出發(fā),介紹了幾種主要監(jiān)管模式及各自的優(yōu)缺點(diǎn),列舉了國(guó)外具代表性的幾種金融監(jiān)管模式,對(duì)其進(jìn)行了分析和比較。說(shuō)明：完善、恰當(dāng)?shù)慕鹑诒O(jiān)管模式應(yīng)當(dāng)根據(jù)一國(guó)的環(huán)境因素的變化而不斷變化。其次,針對(duì)目前我國(guó)金融業(yè)的混業(yè)經(jīng)營(yíng)還停留在較低層次,統(tǒng)一監(jiān)管的條件還不成熟。闡述了現(xiàn)階段維護(hù)分業(yè)監(jiān)管模式、加強(qiáng)監(jiān)管協(xié)調(diào)、提高監(jiān)管有效性的觀點(diǎn)。通過(guò)金融監(jiān)管專(zhuān)業(yè)化水平的不斷提高,循序漸進(jìn)地改革現(xiàn)行金融監(jiān)管模式,逐步向統(tǒng)一監(jiān)管過(guò)渡。最后,統(tǒng)一監(jiān)管的條件已基本成熟,借鑒英國(guó)監(jiān)管模式,對(duì)我國(guó)金融監(jiān)管機(jī)構(gòu)進(jìn)行精簡(jiǎn)合并,將銀監(jiān)會(huì)、證監(jiān)會(huì)、保監(jiān)會(huì)合并成立中國(guó)金融監(jiān)督管理委員會(huì),三大監(jiān)管部門(mén)成為金融監(jiān)管委員會(huì)的內(nèi)設(shè)部門(mén),按金融業(yè)務(wù)分別對(duì)我國(guó)銀行業(yè)、證券業(yè)、保險(xiǎn)業(yè)進(jìn)行功能性混業(yè)監(jiān)管。
[Abstract]:Since the end of the 20th century, the financial mixed operation has become a new trend in the development of the world financial industry. In the wave of global financial mixed operation, the financial mixed operation of our country has gradually appeared. Therefore, it is necessary to adjust and reform the current financial supervision model. With regard to the choice of financial supervision mode in the future, according to the specific conditions of our country and the different stages of the development of mixed operation, the transition from separate supervision to unified supervision is realized on the basis of gradual and orderly progress. This paper is divided into four parts. The first part is the introduction. The second part expounds the development of the mixed operation of the financial industry in China and the restriction of the mode of separate supervision, and combs the background of the development of the financial industry in our country at present. The third part analyzes the impact and challenge caused by the current mixed operation of our financial industry to the existing supervision mode, and reveals the problems in five main aspects, and explains the necessity of timely adjustment and reform of the current financial supervision mode in our country. The fourth part is the key part of this paper, mainly focusing on how to solve the above problems, corresponding to the financial supervision model and measures: first, from the financial supervision theory, This paper introduces several main supervision modes and their advantages and disadvantages, enumerates several representative financial supervision modes abroad, and analyzes and compares them. Explanation: a sound and appropriate financial regulatory model should be constantly changing according to a country's environmental factors. Secondly, the mixed operation of our financial industry is still at a lower level, and the condition of unified supervision is not mature. This paper expounds the viewpoint of maintaining the mode of separate supervision, strengthening the coordination of supervision and improving the effectiveness of supervision. Through the continuous improvement of the specialization of financial supervision, the current mode of financial supervision is reformed step by step, and the transition to unified supervision is made step by step. Finally, the conditions for unified supervision have basically matured, drawing lessons from the British regulatory model, streamlining and merging our financial regulatory institutions, and merging the CBRC, CSRC and CIRC to form the China Financial Supervision and Management Commission. The three regulatory departments have become the internal departments of the Financial Supervision Committee, which respectively supervise the banking, securities and insurance industries in China according to the financial business.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.1

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