摘要
英国金融监管当局FSA曾一度以"原则导向"和"风险为本"的监管理念而引以为豪。作为全球金融监管的楷模与典范,英国式金融监管反映了全球金融监管领域的最新趋势,并受到其他国家的追踪与推崇。然而,风靡一时的"风险为本"与"原则导向"并没有让英国规避掉本次金融危机,危机下的英国银行业饱受重创。FSA"风险为本"与"原则导向"的监管理念受到广泛的质疑。结合本次危机对英国式金融监管进行反思,分析"原则导向"和"风险为本"监管理念的悖论所在,有助于全面理解和把握"原则导向"和"风险为本"监管理念,为我国金融监管改革提供有益的借鉴。
FSA has been proud of its regulatory philosophy called principles - based regulation and risk - based regulation. As a model of global financial regulation, the British - style financial regulation reflects the latest trends in the field of global financial regulation, and has been pursued by other countries. However, risk -based regulation and principles -based regulation did not save Britain from the overwhelming financial crisis, the British banking sector suffered heavily from the crisis, and FSA＇s risk - based regulation and principles - based regulation have been widely questioned. To reflect on British - style financial regulation in the context of the financial crisis by analyzing the paradoxes of risk - based regulation and principles -based regulation will help us to understand and grasp the philosophy of risk - based regulation and principles - based regulation, and provide useful lessons for financial regulatory reform of China.
出处
《上海经济研究》
CSSCI
北大核心
2010年第2期54-61,共8页
Shanghai Journal of Economics
基金
上海市哲学社会科学规划项目"国际金融新格局下的上海金融发展环境研究"(上海金融学院李豫教授主持
课题批准号:2009BJB014)
上海金融学会2009年度重点课题的阶段性研究成果
关键词
金融监管
风险为本
原则导向
监管理念
financial regulation
risk - based regulation
principles - based regulation
regulatory philosophy
