金融危机背景下我国金融监管模式研究-政治经济学专业论文.docxVIP

摘要金融是现代经济的核心，金融业在经济发展中起着至关重要的作用。然而， 摘要 金融是现代经济的核心，金融业在经济发展中起着至关重要的作用。然而， 金融对经济的发展起到促进作用的同时，还带来了金融风险。因此，如何运用金 融监管有效地防范金融风险就成为了世界各国面临的共同课题。 多数经济学家均认为，美国等西方国家金融监管的放松和制度缺陷是此次金 融危机爆发的主要原因。加强金融监管以应对金融危机已成为全球的共识。我国 金融业正处于加速发展时期，金融业呈现出混业经营的趋势，而我国目前金融分 业监管体制存在着监管真空、监管效率低下等问题，不利于促进金融业的发展和 有效防范金融风险。为了提高金融监管的效率，增强金融业的竞争力，有效防范 金融风险，保证金融业的稳健运行，需要探索建立适合我国国情的现代化的金融 监管模式。 本文按照“提出问题—分析问题—解决问题’’的逻辑线索，从金融监管基础 理论入手，总结各主要发达国家金融监管发展的经验教训，重点分析了此次金融 危机暴露的金融监管方面的缺陷和未来金融监管的发展方向，结合现阶段我国特 殊国情，提出加强我国金融监管的对策和措施，为我国金融监管模式改革提供决 策参考。 关键词：金融监管模式金融危机混业经营 一体化监管 中图分类号：F069．9，F830．59，17833．1，F832．1 3 AbstractFinance Abstract Finance is the core of modern economy，which plays a vital role in economic development．However,it also brings financial risk to the market while it plays a role in promoting the development of the economy．Therefore，it has been a worldwide problem that how to supervise the financial market effectively． Most economists agree that the United States and other Western countries’ financial deregulation and institutional deficiencies are the main reason for the financial crisis．Strengthening financial supervision to address the financial crisis has become a global consensus．Chinas financial sector is in a period of accelerated development,financial sector presents a mixed operation of the trend,and our current financial regulatory system exists many problems，such as regulatory vacuum， regulatory inefficiency,etc．It is not conducive to financial development，and effectively guard against financial risks．In order to improve the efficiency of financial supervision and enhance the competitiveness of the financial sector，and to effectively guard against financial risks to ensure sound operation of the financial industry，we needs to explore the establishment of conditions for the modernization of our financial regulatory model． This article defers to the logic clue of“raise problems，analyze problems and solveproblems”，starting from the basic theory of financial regulation，summarizing the develo