本文選題：金融監(jiān)管 + 金融創(chuàng)新�。� 參考：《湖南大學》2012年碩士論文

【摘要】：金融監(jiān)管源于金融業(yè)內(nèi)在的不穩(wěn)定性及其經(jīng)營中所承擔的巨大風險，作為經(jīng)濟監(jiān)督和宏觀調(diào)控的一種重要形式，能保障金融業(yè)的穩(wěn)定和效率，防范金融風險，維護金融安全，促進經(jīng)濟發(fā)展。金融監(jiān)管的理論基礎(chǔ)是金融市場的不完全性，現(xiàn)代經(jīng)濟學，特別是信息經(jīng)濟學、博弈論、市場失靈理論為金融監(jiān)管奠定了理論基礎(chǔ)。對一個國家來說，隨著經(jīng)濟金融的發(fā)展，金融業(yè)的對外開放程度必然增加，，而金融開放必然使一國經(jīng)濟和金融體系的不確定性增加，同時也加劇了原有金融體系的脆弱性。這樣，如何面對更加開放和復雜的經(jīng)濟環(huán)境，實施有效的金融監(jiān)管就成為一國事關(guān)金融業(yè)穩(wěn)定發(fā)展和國民經(jīng)濟持續(xù)增長的核心問題。 市場失靈會導致金融和經(jīng)濟體系的混亂，危害國家乃至整個世界經(jīng)濟的發(fā)展，因此，對金融工具和金融機構(gòu)的監(jiān)管是一國政府的責任。金融監(jiān)管的模式根基于一國政治經(jīng)濟的發(fā)展。盡管各國金融監(jiān)管的組織機構(gòu)、法律環(huán)境、金融機構(gòu)的市場基礎(chǔ)具有很大的差異，但仍然可以抽象出不同市場環(huán)境下金融監(jiān)管的模式，研究不同模式的特點以及各種模式的發(fā)展狀態(tài)及其評價。 發(fā)展是金融業(yè)的主題，創(chuàng)新是金融業(yè)發(fā)展的靈魂。但是，金融創(chuàng)新將給金融監(jiān)管工作提出很多新的課題。金融創(chuàng)新在促進金融發(fā)展的同時，必將對現(xiàn)行金融監(jiān)管方式、方法和金融監(jiān)管體制提出挑戰(zhàn)，增加金融監(jiān)管的難度，甚至使原來的金融監(jiān)管制度和措施失效。在這種情況下，金融監(jiān)管體制創(chuàng)新就成為必然的選擇。 就我國而言，在國民經(jīng)濟穩(wěn)健發(fā)展的同時，多年來聚集起來的金融風險也日益加深，金融機構(gòu)和金融市場已經(jīng)暴露出不少嚴重的問題，如何依法加強對金融機構(gòu)和金融市場的監(jiān)管，規(guī)范和維護金融秩序，有效防范和化解金融風險，不斷推進金融監(jiān)管體制的創(chuàng)新，的確已成為我國金融監(jiān)管當局的當務(wù)之急。
[Abstract]:As an important form of economic supervision and macro-control, financial supervision can guarantee the stability and efficiency of financial industry, prevent financial risks and maintain financial security. Promoting economic development. The theoretical basis of financial supervision is the incompleteness of financial market. Modern economics, especially information economics, game theory and market failure theory have laid a theoretical foundation for financial supervision. For a country, with the development of economy and finance, the degree of financial industry opening to the outside world is bound to increase, and the financial opening will inevitably increase the uncertainty of a country's economy and financial system, and at the same time, aggravate the fragility of the original financial system. In this way, how to face the more open and complex economic environment, the implementation of effective financial supervision has become the core issue of a country's stable development of the financial industry and sustained growth of the national economy. Market failure will lead to the chaos of financial and economic systems and endanger the development of the country and even the whole world economy. Therefore, the supervision of financial instruments and financial institutions is the responsibility of the government of a country. The mode of financial supervision is based on the political and economic development of a country. Although the organization, the legal environment and the market foundation of financial institutions vary greatly in different countries, they can still abstract the models of financial supervision in different market environments. The characteristics of different models and their development status and their evaluation are studied. Development is the theme of the financial industry, innovation is the soul of the development of the financial industry. However, financial innovation will bring a lot of new issues to financial supervision. While promoting financial development, financial innovation will certainly challenge the current financial supervision mode, method and financial supervision system, increase the difficulty of financial supervision, and even invalidate the original financial supervision system and measures. In this case, the innovation of financial supervision system becomes the inevitable choice. As far as our country is concerned, while the national economy is developing steadily, the financial risks that have accumulated over the years have also deepened day by day. Financial institutions and financial markets have exposed many serious problems. How to strengthen the supervision of financial institutions and financial markets according to law, standardize and maintain financial order, effectively prevent and resolve financial risks, and continuously promote the innovation of financial supervision system, has indeed become the urgent task of our financial regulatory authorities.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：D922.28;F832.1

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