我国金融业监管模式研究

上海交通大学硕士学位论文我国金融业监管模式研究姓名：林谦申请学位级别：硕士专业：公共管理指导教师：莫童20080605MPAI90MPAIIMPAIIISTUDYONCHINESEFINANCIALREGULATORYMODELABSTRACTWiththedevelopmentoffinancialinternationalizationandliberalization,traditionalbanking,securities,insurance,trustboundariesbecomeincreasinglyblurred,financialproductsbecomecross-cuttingandinfiltration,financialgroupandfinancialholdingcompanieshavebeendevelopingsteadily,thefinancialsectorcompetitivepressuresandfinancialrisksgraduallyincreased.Inordertodealwiththenewsituation,inthe1990s,mostofthefinancialsectormoredevelopedcountriesandregionsreformthefinancialsupervisionmodel.Inthisbackground,thispaperanalysestheinternationalfinancialregulatorycase,andonthisbasis,researchChina'sfinancialregulatorymodel.Firstofall,thispaperfromthefinancialriskanalysisandriskpreventionpointofview,discussiononfinancialsupervisionisanimportantcomponentofthepublicmanagement,financialregulatorysystemislegal,organizational,behavioralthreesubsystemscomposition,andthefinancialregulatorymodelbelongstothefinancialregulatoryorganizationalareas.Financialregulatorymodelmustbeestablishedonthebasisofthelaw,Organizationalstructureandthecorrespondingpowers,dutiesmustcomefromlegalnorms.PublicMPAIVorganizationtheory,marketfailuretheory,controltheory,spiralofmaterialismdevelopmentconceptandtheoreticaldiscussionoftheneedforthepublicsector,theyarethetheoreticalfoundationoffinancialregulatoryapproach.Secondly,byanalyzingdevelopmentandcurrentsituationoffinancialregulatorymodelofthepartofthefinancialsectorismoredevelopedcountriesandregions,onthedevelopmentofthedirectmotiveoftheinternationalfinancialregulatorymodelandintegratedbusinesschallengestoseparatefinancialsectorsupervision.Makingthediagramofdevelopmenttrendoffinancialregulatorymodel,itdescribestherelationshipbetweenfinancialbusinessdevelopmentandfinancialsupervisionmodel.Inthemeanwhile,throughtheanalysisoftheinternationalfinancialregulatorymodelclassification,byanalyzingthedifferencebetweenintegratedfinancialsectorsupervisionandseparatefinancialsectorsupervision,byanalyzingtheapplicableexternalenvironmentandinternalenvironmentofintegratedfinancialsectorregulatorymodel,makingtheapplicablemodelofintegratedfinancialsectorregulatorymodel,thatis,choiceofwhethertooptintegratedfinancialregulatorymodel,itisnecessarytoconsidercomprehensivebusinessdevelopment,theexternalenvironment,comparativeadvantagesandinternalenvironment.Third,expoundingevolutionandthestatusquoofChina'sfinancialregulatorymodel,summedupthecharacteristicsofChina'scurrentfinancialregulatorymodel,analyzingthemainproblemsandfrictionbetweencurrentfinancialregulatorymodeandbusinessdevelopment,comprehensiveoperationMPAVisthesourceofproblems,makinguseofthediagramofdevelopmenttrendoffinancialregulatorymodelandtheapplicablemodelofintegratedfinancialsectorregulatorymodel,analyzingthebusinessdevelopmenttrendandenvironmentwhichChina'scurrentseparatefinancialregulatorymodelisfacedwith,andthecorrespondinganalysisofthestagereasons,theconditionreason,thecomparisonreasonswhichChina'scurrentseparatefinancialregulatorymodelneedtochange.Establishedthereformideas,thatis,learningfrominternationalexperienceindevelopment,considerationofChina'sactualsituation.Finally,onthebasisofthethirdchapterontheenvironment,inthispaper,analysisofthecurrentsituationfacing,discussionofthereformofcurrentseparatefinancialregulatorymodelneedtobepreparedinadvance.Then,identifyintegratedreformpath,designintegrationmodelofChina'sfinancialsectorsupervision,thatistheestablishmentofCFRC(ChinaFinancialRegulatoryCommission),andimaginesstrategicstepsofimplementationoftheintegration.KEYWORDfinancialsupervisionmodel,developmenttrendintegratedregulatorymodelstrategicsteps200856200856200856MPA1..MPA2MPA3120MPA440MPA5MPA6MPA7MPA8MPA9123456.[M].1999.2.MPA101.2.19963.4.5.6.7.8.MPA111-1.[M].2007.11-16..MPA121-1.[M].2005.14...M2005130..MPA13.MPA1490199719971998IT..MPA15.[M].1996.15.MPA16..[M].2005.3..[M].2005.4..[M].2005.35.MPA177.E...[M].2005.5..[M].2005.5.MPA18,2000199920021998MPA191933....MPA20MPA211.1986SSBE(SIB)(PIA)(IMRO)(SFA)(BSC)IDT(FSC)(RFC)(UKLA)19971997520MPA2210FSA1997101998FSA2001121FSA2000FSAFSAFSA3FSA()202.19131933OCCFRBFDIC1933SEC1999-.[J].2001245..MPA2320083313.19481961.[N].2008-4-2(15)..[N].2008-4-2(4).MPA2420902002422BaFinBaFin,4.7080198710901995.[J].200524...[J].2001942.MPA25199871APRCAPRCASC5.809019831986Kredittilsyneta1988DanishFinanstilsynet19911991FinansInspektioneno1.().[J].2002349...[J].2001195.MPA261990199619971998419986FSA20007200112.MAS,.[J].2005195..[J].2005195.MPA27MAS9MAS3.801989199319894.1997199719981999FSCMPA28FSSFSSFSCSFC27FSS220FSSKDICFSS5.2080200020012004710MPA29..S.19971997199410..S..Z..[M].1994.182..[M].2001.48...S..Z..[M].1994.223..[J].2005246..[J].2005246.MPA30A.AndrewLarge)SIB.[J].19981140.MPA312-12-1XYXOXBMPA32YOYCXOXAXBYOYCYO19878600209037YOYOXBYOXOYO10.[M].2003.12.MPA339020024680ACBOLuna.MartinezThomas.A.Rose.InternationalSurveyofIntegratedFinancialSectorSupervision.WorldBankPolicyResearchWorkingPaper3096[R/OL].