国际中文开源期刊平台

当前我国金融监管存在的问题及对策浅析

On the problems and Countermeasures of financial supervision in China

金融分析与管理 / 2020,2(2)：39-46 / 2020-05-08 2280 3824

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• 作者： 贺德明     
• 单位：

  北京工商大学，北京

• 关键词： 金融监管；现状；问题；对策
• Financial supervision; Current situation; Problems; Countermeasures
• 摘要： 当前，我国金融监管现存的问题，主要体现在行政性监管过强，市场 性监管脆弱，外部审计体系不完善；分业监管模式存在监管交叉真空地带，监 管主体协调不佳；合规性监管向风险性监管的转变不到位，风险预警能力不强； 金融法规体系不健全金融法律规范效力不足等方面。我国应优化监管结构，改 变监管理念，由分业监管模式向功能型监管转变；引入外部审计，强化外部监管， 完善金融机构外部审计监管体系；建立健全的信息披露机制，推动合规性监管 向风险性监管转变；完善金融法律体系，加强国际金融监管合作，以此来加强 金融监管，规避金融风险，让金融业发挥应有的正效用。
• At present, the existing problems of China's financial supervision are mainly reflected in the over strong administrative supervision, weak market supervision and imperfect external audit system; the cross vacuum zone of supervision exists in the separate industry supervision mode, and the coordination of supervision subjects is not good; the transition from compliance supervision to risk supervision is not in place, and the risk early warning ability is not strong; the financial regulatory system is not perfect, and the effectiveness of financial laws and regulations is not strong Deficiencies, etc. Our country should optimize the supervision structure, change the supervision concept, change from the separate supervision mode to the functional supervision; introduce the external audit, strengthen the external supervision, improve the external audit supervision system of financial institutions; establish a sound information disclosure mechanism, promote the transformation from the compliance supervision to the risk supervision; improve the financial legal system, strengthen the international financial supervision cooperation, so as to strengthen the financial supervision Financial supervision, avoid financial risks, and let the financial industry play its due positive role.
• DOI： https://doi.org/10.35534/fam.0202007c
• 引用： 贺德明．当前我国金融监管存在的问题及对策浅析［J］．金融分析与管理，2020，2（2）：39-46．