金融危機后英國金融監(jiān)管體制改革分析
發(fā)布時間：2019-06-22 19:07
【摘要】：美國次債危機引發(fā)的全球金融危機給英國金融業(yè)乃至整個經濟帶來了巨大沖擊。危機爆發(fā)后，英國政府在積極采取措施進行救市行動的同時，也在分析危機爆發(fā)的原因。世界各國的金融專家普遍認為危機的主要原因在于金融監(jiān)管的缺失和漏洞。金融業(yè)是經濟活動的核心，有效的金融監(jiān)管是確保金融業(yè)穩(wěn)定發(fā)展及經濟健康發(fā)展的重要前提。為從金融危機中吸取的經驗教訓，糾正金融監(jiān)管的缺陷，防范金融危機的再次爆發(fā)，英國積極推進金融監(jiān)管改革，頒布了金融監(jiān)管改革方案。 英國財政大臣喬治·奧斯本曾公開說，此次英國金融監(jiān)管體系改革方案是在認真總結史上最嚴重的金融業(yè)危機經驗教訓的基礎上提出的。改革完善了金融監(jiān)管的目標和手段。明確新的金融監(jiān)管框架及各主要監(jiān)管部門的基本職能。英國金融監(jiān)管改革主要目標是保持金融穩(wěn)定、防范金融風險，以確保倫敦國際金融中心的地位。改革的主要內容包括確立了中央銀行在金融監(jiān)管中的核心地位，擴大中央銀行的審慎監(jiān)管權；同時，，高度重視對系統(tǒng)性風險的監(jiān)控，將金融監(jiān)管的工作重心轉向保持金融業(yè)整體系統(tǒng)穩(wěn)定。此外，還重視金融監(jiān)管的國際合作，特別是加強與歐洲國家間的合作，重視對金融消費者利益保護等。 英國是當今世界主要發(fā)達金融市場，作為目前世界上發(fā)達經濟體之一，英國在金融危機之后的監(jiān)管體制改革具有一定的代表性，對于未來的國際金融監(jiān)管體制變革也有一定的導向作用。 我國金融業(yè)正處于加速發(fā)展時期,隨著我國經濟的高速發(fā)展，金融業(yè)發(fā)展趨于混業(yè)經營，導致了原有的分業(yè)監(jiān)管模式存在著監(jiān)管真空和效率低下等問題，限制了金融業(yè)的發(fā)展，也不利于防范金融風險。隨著未來我國金融市場的逐步開放，我國將不可避免的會遭受到更多的金融危機沖擊。為了維持金融業(yè)穩(wěn)健運行，我國急需建立適合我國國情的金融監(jiān)管體制。因此，我們需要密切關注世界各國金融監(jiān)管改革的新動向和新的思維，借鑒發(fā)達國家的金融改革經驗，提高我國的金融監(jiān)管水平和效率。 基于此，本文以危機后的英國的監(jiān)管體制改革作為研究對象，通過對英國金融監(jiān)管體制改革的動因與背景的介紹，深入分析了英國金融監(jiān)管體制改革目標、措施和內容，客觀評價了其優(yōu)勢與局限性，最后通過對國內金融業(yè)的監(jiān)管現狀與存在問題的研究分析，進一步明確了未來我國金融監(jiān)管的改革目標，為完善我國金融監(jiān)管體制、提高監(jiān)管水平、促進國際監(jiān)管合作提出了合理的建議。
[Abstract]:The global financial crisis caused by the subprime debt crisis in the United States has brought great impact to the British financial industry and even the whole economy. After the outbreak of the crisis, the British government is actively taking measures to rescue the market, but also analyzes the causes of the crisis. Financial experts all over the world generally believe that the main cause of the crisis lies in the lack of financial supervision and loopholes. Financial industry is the core of economic activities, and effective financial supervision is an important prerequisite to ensure the stable development of financial industry and the healthy development of economy. In order to draw lessons from the financial crisis, correct the defects of financial supervision and prevent the recurrence of financial crisis, Britain actively promoted the reform of financial supervision and promulgated the reform plan of financial supervision. British Chancellor of the Exchequer George Osborne has said publicly that the reform of Britain's financial regulatory system is based on a careful summary of the lessons learned from the worst financial crisis in history. The reform has improved the objectives and means of financial supervision. Clarify the new financial regulatory framework and the basic functions of the main regulatory departments. The main goal of British financial regulatory reform is to maintain financial stability and guard against financial risks in order to ensure London's status as an international financial centre. The main contents of the reform include establishing the core position of the central bank in the financial supervision and expanding the prudential supervision power of the central bank; at the same time, attach great importance to the monitoring of systemic risks and shift the focus of financial supervision to maintaining the overall system stability of the financial industry. In addition, we also attach importance to the international cooperation of financial supervision, especially to strengthen cooperation with European countries, and attach importance to the protection of the interests of financial consumers. Britain is the main developed financial market in the world today. As one of the developed economies in the world, the reform of the regulatory system in the United Kingdom after the financial crisis is representative to a certain extent, and also plays a guiding role in the reform of the international financial regulatory system in the future. The financial industry of our country is in a period of accelerated development. With the rapid development of our economy, the development of the financial industry tends to be mixed, which leads to the existence of a regulatory vacuum and low efficiency in the original separate supervision mode, which limits the development of the financial industry and is not conducive to preventing financial risks. With the gradual opening of China's financial market in the future, China will inevitably suffer more financial crisis shocks. In order to maintain the steady operation of the financial industry, China urgently needs to establish a financial supervision system suitable for the national conditions of our country. Therefore, we need to pay close attention to the new trend and new thinking of financial supervision reform in the world, draw lessons from the financial reform experience of developed countries, and improve the level and efficiency of financial supervision in our country. Based on this, this paper takes the reform of the supervision system in the United Kingdom after the crisis as the research object, through the introduction of the motivation and background of the reform of the financial supervision system in the United Kingdom, deeply analyzes the objectives, measures and contents of the reform of the financial supervision system in the United Kingdom, objectively evaluates its advantages and limitations, and finally studies and analyzes the present situation and existing problems of the supervision of the domestic financial industry. This paper further clarifies the reform goal of China's financial supervision in the future, and puts forward some reasonable suggestions for perfecting China's financial supervision system, improving the supervision level and promoting international regulatory cooperation.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F835.61
本文編號：2504881
[Abstract]:The global financial crisis caused by the subprime debt crisis in the United States has brought great impact to the British financial industry and even the whole economy. After the outbreak of the crisis, the British government is actively taking measures to rescue the market, but also analyzes the causes of the crisis. Financial experts all over the world generally believe that the main cause of the crisis lies in the lack of financial supervision and loopholes. Financial industry is the core of economic activities, and effective financial supervision is an important prerequisite to ensure the stable development of financial industry and the healthy development of economy. In order to draw lessons from the financial crisis, correct the defects of financial supervision and prevent the recurrence of financial crisis, Britain actively promoted the reform of financial supervision and promulgated the reform plan of financial supervision. British Chancellor of the Exchequer George Osborne has said publicly that the reform of Britain's financial regulatory system is based on a careful summary of the lessons learned from the worst financial crisis in history. The reform has improved the objectives and means of financial supervision. Clarify the new financial regulatory framework and the basic functions of the main regulatory departments. The main goal of British financial regulatory reform is to maintain financial stability and guard against financial risks in order to ensure London's status as an international financial centre. The main contents of the reform include establishing the core position of the central bank in the financial supervision and expanding the prudential supervision power of the central bank; at the same time, attach great importance to the monitoring of systemic risks and shift the focus of financial supervision to maintaining the overall system stability of the financial industry. In addition, we also attach importance to the international cooperation of financial supervision, especially to strengthen cooperation with European countries, and attach importance to the protection of the interests of financial consumers. Britain is the main developed financial market in the world today. As one of the developed economies in the world, the reform of the regulatory system in the United Kingdom after the financial crisis is representative to a certain extent, and also plays a guiding role in the reform of the international financial regulatory system in the future. The financial industry of our country is in a period of accelerated development. With the rapid development of our economy, the development of the financial industry tends to be mixed, which leads to the existence of a regulatory vacuum and low efficiency in the original separate supervision mode, which limits the development of the financial industry and is not conducive to preventing financial risks. With the gradual opening of China's financial market in the future, China will inevitably suffer more financial crisis shocks. In order to maintain the steady operation of the financial industry, China urgently needs to establish a financial supervision system suitable for the national conditions of our country. Therefore, we need to pay close attention to the new trend and new thinking of financial supervision reform in the world, draw lessons from the financial reform experience of developed countries, and improve the level and efficiency of financial supervision in our country. Based on this, this paper takes the reform of the supervision system in the United Kingdom after the crisis as the research object, through the introduction of the motivation and background of the reform of the financial supervision system in the United Kingdom, deeply analyzes the objectives, measures and contents of the reform of the financial supervision system in the United Kingdom, objectively evaluates its advantages and limitations, and finally studies and analyzes the present situation and existing problems of the supervision of the domestic financial industry. This paper further clarifies the reform goal of China's financial supervision in the future, and puts forward some reasonable suggestions for perfecting China's financial supervision system, improving the supervision level and promoting international regulatory cooperation.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F835.61
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