璁论金融混业经营及其监管.doc 20页

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    摘要 本文将着重分析随着金融开放的进一步加快,国际、国内金融混业经营的现实与趋势对我国金融分业经营、分业监管体制的挑战。结合我国的实际情况,建议渐进式的完成向混业经营体制的过渡,即金融混业经营的发展战略可以安排为:以金融控股公司模式为主导,在第一阶段内主要是对目前混业业务的推进和深化;在第二阶段可以确立金融控股公司模式的法律地位,在此基础上发展大型金融控股公司,与此同时,建立金融控股公司模式中的有效保障机制,最重要的就是防火墙管理机制;第三阶段就是全面推行真正意义上的金融控股公司的混业经营。其实,国内金融混业经营所带来的最大挑战,不是金融机构如何探索混业经营模式的问题,而是如何进行有效监管的问题。在此,笔者建议我国可建立以功能监管为原则的牵头监管模式,然后随着混业经营的成熟与完善,借助伞形监管模式的桥梁作用,再向效率最高、最理想的统一监管模式过渡。但是在现阶段要提高专业监管水平,建立监管机构之间的有效协调机制,以避免监管盲点。 关键词:混业经营 金融监管 功能监管 ABSTRACT With the further opening up of finance, the financial system in China has faced the challenges brought by the reality and the trends of financial mixed operation both at home and abroad. This article focuses on analyzing the above issues and the corresponding strategies. In view of actual circumstances in China, it suggests that mixed operation can only be achieved gradually, conforming to the requirements of economic integration and innovation in the field of finance. In details, the schedule about steady pushing the mixed operation of finance consists of facets. First, the top supervisors properly guide the tend of institution's organization, leading the recent commercial banks to financial holding company, while smooth the disadvantages of new style of institution; Then, emphasizing the mechanism of alert, doing something with the risk originated from operating co-operation of cross-industry of finance, supervisors should push forward the controlling with the concrete operating. The two sides above both demand strict but flexible supervision. So system-wide risk management process could work, yet the engine of innovation combining financial operating would not be shut off, and this is an ideal process so called “win to win”. Now financial firm has accelerated researching and developing new products containing several sorts of figures of different financial services. The supervision on concrete operating is sharply necessary from now on. The mode of “Lead Supervision” and “Umbrella Supervisor” which has been practiced

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    • 审核时间:2015-12-02
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