我国金融监管体系存在的问题及完善对策.doc

我国金融监管体系存在的问题及完善对策

摘 要

    金融监管体系，又称监督体系，近年来，金融法规的建设、金融监管机构的调整、监管队伍的部署、监管手段的开发，都表明我国的金融监管能力得到了很大提高，但我国的金融监管体制还存在着监管机构协调性、差监管的有效性不强、监管法律体系不完善等诸多问题，因此我国必须对金融机构进行全过程多方位监管、改进监管方式提升监管效率、加强金融队伍建设完善金融监管人员素质体系、加强当前各金融监管当局的协调配合防止监管真空或重复监管、加强金融立法建设，按照WTO金融规则，完善金融监管法制体系。

关键词：金融监管体制；现状；面临问题；对策

ABSTRACT

Financial regulatory system, also called the supervision system, in recent years, the construction of financial regulations, adjustment of financial regulators, deployment of the supervision team, and the development of regulatory means, suggests that our country financial regulation ability has been greatly improved, but China's financial regulatory system, there are regulatory effectiveness of poor coordination, regulation is not strong, supervision legal system is not perfect, and many other issues, so our country must to supervise financial institutions for the whole process of many-sided, improve supervision way to enhance the regulation efficiency, strengthen financial team construction to perfect the financial supervision system of personnel quality, strengthen the coordination between the current financial regulatory authorities to prevent regulatory vacuum or repeated supervision, to strengthen the construction of financial legislation, in accordance with the WTO financial rules, perfect the financial supervision legal system.

Key words: financial regulatory system; The status quo. Facing problems; countermeasures

目录

第1章 绪论 1

第2章 我国金融监管体制的发展过程和现状 3

2.1 我国金融监管体制的发展过程 3

2.2 我国金融监管体系的现状分析 3

2.2.1 金融监管体系建设的主要成就 4

2.2.2 现阶段金融监管体系存在的主要问题 4

第3章 我国金融监管体制面临的问题 5

3.1 监管机构协调性差 5

3.2 监管法律体系不完善 5

3.3监管的有效性不强 5

3.4 分业监管模式存在弊端 5

3.5金融机构自律监督不足 5

第4章 我国金融监管体制完善对策 7

4.1 改革和完善我国金融监管体系的重要性 7

4.2 金融监管体系的完善对策 7

4.2.1 对金融机构进行全过程多方位监管 7

4.2.2 改进监管方式提升监管效率 7

4.2.3 加强金融队伍建设 7

4.2.4 加强金融立法建设 7

4.2.5 加强当前各金融监管当局的协调配合 8

 第5章 结论与展望 9

 参考文献 11

 致谢 13