金融危机对中国金融监管制度改革的启发.docVIP

PAGE 目 录 TOC \o 1-2 \h \u 10561 摘 要 I 29720 Abstract II 21920 一、美国次货危机的形成机制和原因 1 2895 （一）次贷危机的形成机制 1 14874 （二）次贷危机的形成原因 1 25122 二、后危机时代对金融监管的反思 2 8452 （一）美国金融监管体系的特点及存在的问题 2 734 （二）美国财政和金融当局的应对措施 2 30587 三、金融危机对中国金融监管制度的启示 3 10773 （一）金融监管须更多强化功能监管 3 1066 （二）针对不同的资金来源，制定不同的监管原则 4 30387 （三）金融监管应更贴近市场第一线 4 22897 （四）加强监管机构之间的职能协调 4 3096 参考文献 6 1453 致 谢 7 PAGE I 摘 要 金融监管协调机制是金融业经营体制转变与金融监管体制发展的产物。随着金融业的发展变化，我国金融监管经历了从混业监管到分业监管的发展过程，形成现阶段“一行三会多部参与”的监管层面。目前，金融业竞争空前加剧，金融创新步伐不断加快，混业发展综合经营趋势日益明显，跨行业、跨市场的交叉性金融风险变得日突出，这些对我国现有的监管体制提出了严峻的挑战。本文通过对美国金融次贷危机产生的相关情况进行分析以后阐述了当前我国金融监管协调机制存在问题的深层次研究，然后结合其他国家的金融监管协调机制的相关经验提出完善我国金融监管协调机制的相关办法，从而让我国的金融监管更加高效，真正的让我国的金融行业能够更好的发展。真正的为我国的金融行业提供更为优质的环境。 关键词：金融监管；金融市场；协调机制 PAGE II Abstract Financial supervision coordination mechanism is a financial management system transformation and the development of the financial regulatory system. Changes along with the development of the financial sector, financial supervision in our country has experienced from mixed supervision to the development of the supervised respectively, to form the present stage more than \a line of three will be involved in\ regulatory level. At present, the financial industry competition intensifies, the progress of financial innovation, mixed development comprehensive management, cross-trade and cross market to its financial risks has become prominent, the existing regulation system in China put forward severe challenges. Based on the deep research of financial supervision coordination mechanism, existing problems and then combined with other countrys experience in financial supervision coordination mechanism, puts forward related measures to perfect our financial supervision coordination mechanism, so that the financial regulation is more efficient in our country, the real for the financial industry to better development of our country. True for our countrys financial industry to provide more high quality environment. Keywords: Fi