改革和完善中国金融监管体系

(,100871):(),,,,():;;;:F83211:A:100025919(2009)0420057210:2009204210:,,,:(:07JZD0010):,:2008,351355,;,;,2008,,,,,,,,,,,,,,,,,;,,46420097()JournalofPekingUniversity(PhilosophyandSocialSciences)Vol.46,No.4Jul.2009,,()(FRS)()6,5(FRS)199911,,(FDIC)(OCC)(OTS)(NCUA),3(SEC)1934,,,,,(DFI),,,,,,,,,,????2030,:,,,20083,,,,,(objectives2basedregulatoryapproach),:,,,,,:,,2009319:,2001458()2009,,OCCOTS,,,,,,,,,;,,,,,:;;,,,()1980,,,2090,:(1)2070,,,,,,1986,,,,,,,,,,,,,(2)198410(JMB),1988,1995,,;,,,,,,1997,19981998,,20006,,,,,,1998,,140:,2003929:,,2008424:59,,,,,()(),;;,,,,,,,,1985,1997,,,1991,,,,,20016,,,,,,20037(),,,,,,,,,,,,()11,2002,,46,,(),1986,1997,60()2009(FSA),,,(2002),7,(),FSA21,,31,,,(),19491978,,,,,(),,,80,,19839,,,19841993,,,90,1990,,,,,,,,,90()(),(),,,,,2004,,,,,,,,:,2006104:61()11(1),,,;,,,(2),,,,,,,21,:(),(),():,(),()(),,,,,,,,,,,,,,,312060,:,20086:,37638162()2009;,,,,,,,;,,;,,,(),,,,,,,,,,,;,,,,,(),,,,(),,,,,,,,,,,,(),,11(),,:,:,3463644:63,,,,,,,,,,,,,;,,,,,,(),,,(),(,),(),21,,,,,,,,,,,,,,,,,,,,,,,,,()31,,(),,,,,(1),64()20091,,,;,,,(),,,,,,,,,()114:65,,,,,,21,,,,,,,,,,31,,,,,,,,,41,,,,,,,,,,,ReformingandImprovingtheChineseFinancialRegulationSystemCaoFengqi(GuanghuaSchoolofManagement,PekingUniversity,Beijing100871,China)Abstract:Thispapercomparestheevolutionandtrendsoffinancialregulationsystemsofdifferentcountriesandareas,andanalysestheevolutionofChinesefinancialregulationsystemsanditsproblems,aswellasthenecessityoffurtherreformandimprovement.Inthelongrun,Chinaneedstobuildauniversalfinancialregulationorgan,i.e.,theFinancialRegulationCommitteeofChina,toconductcomprehensivefinancialregulation.Thepapersuggeststhatthereformshouldbedividedintothreesteps.Keywords:financialregulation;financialregulationsystem;theCommitteeoffinancialregulationandcoordination;theFinancialRegulationCommitteeofChina()66()2009