本文選題：金融監(jiān)管　切入點：地方政府金融監(jiān)管　出處：《華南理工大學》2013年碩士論文

【摘要】：地方政府金融監(jiān)管職權是我國金融監(jiān)管體制的重要組成部分及市場經濟下地方政府的重要職權之一。現(xiàn)如今，中央政府與地方政府的金融監(jiān)管職權配置嚴重失衡，但是，加強地方政府的金融監(jiān)管職權確實存在多方面的客觀需求。本文主要從理論和實際基礎，現(xiàn)實需求，事實依據三方面闡述了地方政府行使金融監(jiān)管職權的必要性，認為地方政府加強金融機構監(jiān)管、實現(xiàn)監(jiān)管全覆蓋擁有地緣優(yōu)勢，適應金融創(chuàng)新、堵塞金融市場監(jiān)管漏洞擁有信息優(yōu)勢，保護消費者權益擁有動力優(yōu)勢。另外，地方政府行使金融監(jiān)管職權，不僅國內有現(xiàn)實需求，國外亦有類似實踐，就其合理性而言，有利于彌補金融監(jiān)管信息不對稱的缺陷，解決權力與責任不對等的問題，適應應對地方金融風險的現(xiàn)實要求，以及符合市場經濟條件下地方制度競爭的要求。 論文還從地方政府金融監(jiān)管發(fā)展歷程著手分析，著重總結出了當前地方政府金融監(jiān)管職權的問題和矛盾，以及我國地方政府的金融監(jiān)管職權配置存在嚴重不對稱，地方政府尚未承擔與其地位相適應的監(jiān)管權限，金融監(jiān)管職權缺失的問題。并且找出缺失問題的根源主要與價值理念、制度架構、利益機制相關聯(lián)，為進一步改革地方政府金融監(jiān)管職權找到了癥結根源和重構方向。 最后，提出完善地方政府金融監(jiān)管職權的建議，主要從金融監(jiān)管地方分權法治化框架的構建、金融監(jiān)管目標模式的建立、金融監(jiān)管機構職能分工與協(xié)作機制的構架等方面進行分析。論文認為，應基于法治化視角處理中央政府與地方政府的關系，在憲政框架內確立金融監(jiān)管的地方分權基本原則，以憲法或憲法性法律明確中央政府主導行使金融監(jiān)管職權，地方政府在本行政區(qū)劃內享有對地方金融機構或金融活動的金融監(jiān)管職權。在金融監(jiān)管的價值取向上應更注重安全與效率兼顧，在處理中央政府與地方政府的金融監(jiān)管機構關系時應注重合作共治，在權力運行模式上更注重中央政府與地方政府金融監(jiān)管機構的相互制衡。中央與地方分權框架形成后，，就必須對金融監(jiān)管機構的職能分工與協(xié)作機制進行設計，以形成科學合理、有效運轉的制度體系。
[Abstract]:The financial supervision authority of local government is an important part of the financial supervision system of our country and one of the important functions and powers of the local government under the market economy. Nowadays, the allocation of financial supervision authority between the central government and the local government is seriously out of balance, but, There are many objective needs in strengthening the financial supervision authority of local government. This paper expounds the necessity of local government to exercise financial supervision authority from three aspects: theoretical and practical basis, realistic demand and factual basis. It is believed that local governments should strengthen the supervision of financial institutions, achieve full coverage of supervision and have geographical advantages, adapt to financial innovation, plug loopholes in financial market regulation, have information advantages, and protect consumers' rights and interests. In addition, The local government not only has the realistic demand at home, but also has the similar practice in foreign countries, which is helpful to remedy the deficiency of the information asymmetry of financial supervision and solve the problem of unequal power and responsibility, as far as its rationality is concerned. It adapts to the practical requirements of local financial risks and meets the requirements of local institutional competition under the market economy. The paper also analyzes the development course of local government financial supervision, and summarizes the problems and contradictions of local government financial supervision authority, as well as the serious asymmetry in the allocation of local government financial supervision authority in our country. The local government has not yet assumed the regulatory authority corresponding to its status, and the problem of the lack of financial supervision authority, and find out the root of the problem is mainly related to the value concept, institutional framework, interest mechanism, For the further reform of local government financial supervision authority to find the crux of the root cause and reconstruction direction. Finally, the paper puts forward some suggestions to improve the financial supervision authority of local governments, mainly from the construction of the framework of decentralization and legalization of financial supervision, and the establishment of the target model of financial supervision. This paper analyzes the function division of financial supervision institutions and the framework of coordination mechanism. The paper holds that the relationship between central government and local governments should be dealt with from the perspective of rule of law, and the basic principle of decentralization of financial supervision should be established within the framework of constitutionalism. The central government shall explicitly exercise the functions and powers of financial supervision by means of the constitution or constitutional laws, Local governments have the authority to supervise local financial institutions or financial activities within their respective administrative divisions. In the value orientation of financial supervision, they should pay more attention to both safety and efficiency. When dealing with the relationship between the central government and the local government, we should pay more attention to the cooperation and co-governance, and pay more attention to the checks and balances between the central government and the local government financial supervision institutions in the mode of power operation. It is necessary to design the functional division of labor and cooperation mechanism of financial supervision institutions in order to form a scientific and rational and effective operating system.
【學位授予單位】：華南理工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.1;D630

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