摘要
金融危机后十年间,我国开启新一轮金融监管体制改革,设立金融消费者保护局、国务院金融稳定发展委员会,以及重新组建银行保险监督管理委员会,形成"一委一行二会"的新金融监管框架。我国金融监管体制改革具有渐进性和强制性特征,有利于减少新制度推行的摩擦阻力,但增加了强制性手段的制度惯性。银行业监管体制改革是历次金融监管体制改革的先驱,其面临的改革阻力最大,遗留的滞后理念和历史痕迹最多。银行业监管体制受计划经济时期强制性制度变迁的惯性影响,注重机构监管和主体立法,较为严格的准入门槛限制了银行业市场主体的多元化和信贷市场的多层次发展;随着市场经济的深入发展,现行银行业监管体制未能明晰金融消费者权益保护的权责,难以应对综合经营,无法满足多层次信贷需求,已落后于新的金融经营体制和监管体制。在金融监管体制新动态下,银行业监管体制应积极回应市场需求,打破不利的制度惯性,吸收功能监管理念,建立金融信息资源共享数据库和金融研究院,并实行分级差异化监管和统一监管相结合,实现资源有效配置。
Ten years after the financial crisis, China started a new round of financial supervision system reform,including establishing a consumer financial protection agency, establishing Financial Stability and Development Committee under the State Council, and form bank insurance supervision and administration commission, to form “a committee under the State Council, the central bank and two committees” new financial regulatory framework. The reform of financial supervision system in China has the characteristics of gradual reform and compulsory reform. Gradual reform is beneficial to reduce the friction resistance of new system implementation, but increases the institutional inertia of compulsory means. The reform of banking supervision system is the forerunner of the reform of financial supervision system, and it faces the greatest resistance to reform. Influenced by the inertial changes of the mandatory system in the planned economy period, the banking supervision system focuses on the institutional supervision and legislation of the main body. The relatively strict entry threshold of the banking supervision system limits the development of diversification of the banking market subject and the multi-level of the credit market. With the in-depth development of market economy, the current banking supervision system fails to clarify the rights and responsibilities of protecting the rights and interests of financial consumers, fails to cope with comprehensive management, fails to meet the multi-level credit demand, and has fallen behind the new financial operation system and supervision system. Under the new trend of financial supervision system, the banking supervision system should actively respond to market demands, break the negative institutional inertia, absorb the concept of functional supervision, establish the financial information resource sharing database and financial research institute, and implement the combination of hierarchical differentiated supervision and unified supervision to realize the effective allocation of resources.
作者
闫夏秋
YAN Xia-qiu(Law School,Hohai University, Nanjing 210098,China)
出处
《商业研究》
CSSCI
北大核心
2019年第3期105-114,共10页
Commercial Research
基金
中央高校基本科研业务费专项资金资助项目"新金融时代下银行业法律规制研究"
项目编号:2018B03714
关键词
金融监管体制
银行业
信贷市场
金融创新
financial supervision system
banking industry
credit market
financial innovation
