肖娟,潘辉.地方金融监管:探本•问诊•治策[J].西部论坛,2019,29(6):35-43
地方金融监管:探本•问诊•治策
Local Financial Supervision: Exploration, Examination and Management
  
DOI:
中文关键词:  地方金融监管  科技金融  新兴金融业态  监管协同  监管分权
英文关键词:local financial supervision  scientific and technological finance  emerging financial industry  supervision coordination  supervision decentralization
基金项目:
作者单位
肖娟,潘辉 1.重庆市地方金融监督管理局 监管三处重庆 4001172.重庆大学 经济与工商管理学院重庆400044 
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中文摘要:
      地方金融监管是我国金融监管体制改革的热点问题。本文从地方金融监管的理论依据与实践变迁、形势变化与现状问题、改革路径与政策建议等方面展开了研究。研究发现,地方金融监管从基础逻辑、国际经验与制度变迁的角度上应该回归“监管”理性;由于地方金融监管面临金融科技新挑战、新兴金融新风险、监管调整新格局与风险处置新任务,存在监管法治建设滞后、监管基础设施落后、监管理念工具陈旧以及监管分权协同不足等问题,须从金融与实体、政府与市场、中央与地方、监管与创新四大关系和制度、技术、组织、方法、协同五个层面重新明确地方金融监管改革的方向与路径。因此,应遵循地方金融发展规律与监管改革方向路径,加快地方金融监管法治进程、完善地方金融监管基础设施、转变地方金融监管理念方式与建立地方金融监管协同机制。
英文摘要:
      Local financial supervision is a hot issue in the reform of China's financial supervision system. This paper studies the theoretical basis, practical changes, the situation changes, current problems, reform directions and policy recommendations of local financial supervision. The study finds that local financial supervision should return to the rationality of "supervision" from the perspective of basic logic, international experience and institutional change. Because local financial supervision is facing new challenges of financial science and technology, new financial risks, new regulatory adjustment patterns and new tasks of risk disposal, there is lagging behind in the construction of regulatory rule of law such as backward regulatory infrastructure, obsolete regulatory idea and approach, and insufficient regulatory decentralization and coordination. It is necessary to redefine the direction and path of local financial supervision reform from the four aspects of finance and entity, government and market, central and local government, regulation and innovation on such five levels as system, technology, organization, method and coordination. Thus, China should follow the law and the directions of local financial development and reform, speed up the legal process of local financial supervision, improve the infrastructure of local financial supervision, change the conceptual mode of local financial supervision and establish a synergistic mechanism of local financial supervision.
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