超前监管的探索与实践1.docVIP

“超前监管”的探索与实践 近年来，平顶山银监分局积极探索农村中小金融机构监管新思路，丰富监管新手段，探索出一套行之有效的“超前监管”制度和做法，大大提升了监管有效性，有效推动了辖内农村中小金融机构科学稳健发展。 一、“超前监管”的背景 （一）宏观形势复杂性。随着美国次贷危机、欧洲债务危机相继爆发，国内经济金融形势复杂多变，金融作为经济核心地位日益突出，金融稳定的重要性越发明显。另外，随着我国农村金融改革的不断深化，农村金融也发生了巨大变化。农村金融产品日渐丰富，面临风险日益增多。新型机构不断增设，监管方式方法有待完善。以上种种形势发展变化中的矛盾和问题，都对金融监管提出了更高的要求。 （二）常规监管滞后性。常规监管通常着眼于事后监管，往往是在风险已经出现或者问题已经发生时才去采取应对措施，存在一定的滞后性，并且也错过了应对风险最好的时机，导致风险处置成本大幅上升。另外，常规监管更多属于被动监管，缺少主动监管的前瞻性和针对性，监管力度的增强和风险的有效控制并不同步 festival, summer food, children food special rectification, everywhere selling counterfeit and shoddy food and other illegal behavior severely, seized substandard food 400 kilograms, 1000 bottles of wine, false Right?? more than 8000 boxes, packing boxes of 15000 people, to ensure that the masses of consumer safety.To investigate and deal with commercial bribery, pyramid schemes, trademark infringement, false advertising and other illegal casesThis year, the County Bureau continue to control commercial bribery, blow from MLM, trademark infringement and false advertising as a priority among priorities of work. In the summary node basis last year working experience in commercial bribery governance experience, actively learn foreign advanced experience first, not related to the analysis of field research, how to expand the area of governance the domain problem, the management of commercial bribery work continuously to the breadth and depth of development. This year in March, the county bureau successfully dealt with a real estate service company limited commercial bribery bribery case, involving the value of 100 thousand yuan, and according to the order to stop the illegal act of the administrative punishment, fines at 70 thousand yuan; continue to fight pass The pin high pressure situation, actively create no MLM marketing community activities, focus on the pull the head team payment, charge entry fees and the door to provide convenient conditions such as illegal acts as a pyramid scheme. In January this year, 9 day, County