金融国际化、金融危机与金融监管

从本次金融危机对国际金融监管体系提出的新挑战出发,本文探讨了金融国际化与金融监管体系改革的关系,以及金融危机对金融监管体系改革的影响。未来,金融监管将日趋国际化,更加注重风险性监管和对创新业务的监管,重视金融机构的内部控制制度和同业自律机制,而统一监管将成为监管体系发展的趋势。在此基础上,本文提出中国金融监管体系改革应走综合监管、统一监管之路,以适应混业经营发展和金融创新的需要;要加强宏观金融审慎监管,保证整个金融系统的稳定;注重保护投资者的合法权益;并不断完善与金融监管体系改革相配套的其他制度与措施。

Financial Internationalization,Financial Crisis and Financial Regulation

Beginning with the chanlleges faced by international financial regulation system that result from the financial crisis,the paper analyzes the relationship between financial internationalization and the reform of financial regulation system and the influence of financial crisis on the reform.In the future,financial regulation will develop towards the direction of internationalization,pay more attention to risk-centered regulation and the supervision over innovative business and attach importance to financial institutions’ internal control system and the self-discipline.Integrated regulation will represent the general trend of regulation system development.The paper puts forward the following suggestions on the reform of Chinese financial regulation system:pressing ahead with integrated and unified regulation to adpot to the requirements of integrated operation and financial innovation,intensifying macro-prudential regulation on the financial sector to maintain the stability of the overall financial system;paying attention to protecting the lawful rights of investors and constantly improving other mechanisms and measures to match the reform of overall financial regulation system.