金融行業的快速發展伴隨著高收益和高風險，隨著金融資產和金融交易活動的成倍增長，金融業績的增長遠遠超出了實體經濟的增長，資本流動的增長遠遠高於貿易的增長，金融創新日新月異，金融市場上演繹的金融神話促使經濟的虛擬化程度不斷提高，最終導致了過度的信用透支和金融權利的濫用，引發了金融危機。金融危機暴露了建立在監管制度自主選擇與自由裁量基礎之上的傳統監管模式和現有金融監管制度的`弊端，促使我們對不同型別的監管模式和監管制度進行反思，進而積極探索新的監管理念，尋求新的監管模式，完善我國的金融監管制度。
本文以中國金融監管制度為研究物件，結合經濟金融相關知識，在對國外金融監管模式進行比較分析的基礎上，反思了我國現階段的金融監管模式和制度，由此提出了合乎我國國情和促進金融業發展的金融監管模式和監管制度改革對策。本文主要從以下五個部分進行探討。
第一部分，敘述了本文的撰寫目的、現實意義，並對加強我國金融監管的重要性作了簡要的概括;
第二部分，簡要介紹了金融監管的涵義，並通過模型分析了金融監管的必要性和最佳金融監管程度，同時概述了金融監管制度的相關理論;
第三部分，對國外英美已開發國家的金融監管模式進行了比較分析，從而為下文提出構建適合我國的金融監管模式提供了借鑑意義;
第四部分，概括地論述了我國現階段的金融監管模式，以及存在的主要問題與缺陷，為下文提出對策和方案指明瞭方向，打下了鋪墊。
第五部分，根據我國的經濟、政治、社會發展情況，提出了適合我國發展的金融監管模式和進一步完善我國金融監管制度的對策建議;
最後一個部分，是對全文的概括和總結，並對我國未來金融業的繁榮與發展進行了展望。
關鍵詞： 金融監管 金融監管制度 金融監管模式
Abstract
High yield and high risk exits in the rapid development of the financial industry. With the financial assets and financial trading activities increasing, the growth in financial performance is far beyond the growth of the real economy and the growth of capital flows is much higher than the growth in trade. Financial innovation is changing all the time and the financial myths which is in the financial markets promote the degree of virtualization in economy to increase. This situation eventually leads to excessive credit facilities and abuse of the financial right and causes a financial crisis. Financial crisis has exposed shortcomings of the traditional regulatory and the existing financial regulatory system which is based on freely choose and discretion the regulatory regime, prompting us to reflect on different types of regulatory approaches and supervisory system, and then to explore new regulatory philosophy, to seek new modes of regulation, to improve our financial regulatory system.
In this paper, China's financial regulatory system is the study. With the combination of economic and financial knowledge, it reflects our current financial regulatory models and systems on the basis of comparatively analyzing the mode of foreign financial supervision. Accordingly it puts forward reform measures of financial regulation and supervision which are in line with our national conditions and can promote the development of finance. This article discusses the following five parts. The first part describes the purpose of the article, practical significance, and gives a brief summary of the importance of strengthening financial supervision in China. The second part briefly describes the meaning of financial supervision and analyzes the necessity and the best level of financial supervision through the model, meanwhile it gives an overview of the theory of the financial regulatory system. The third part gives a comparative analysis of foreign financial regulation in developed countries like British and American, which provides a reference for the following proposal of building a model of financial regulation suitable for our fourth part generally discusses the model of financial supervision at this stage, as well as the main problems and shortcomings, which point the way and lay the groundwork for the following to come up with strategies and programs.
The fifth part puts forward financial regulatory model which is suitable for the development of our country and suggestions for the further improvement of the financial regulatory system according to the development of China's economy, politics, and society. The last part is a summary of the full text and gives a prospect of the prosperity and development of our future financial industry.
Key words: Financial regulation Financial regulation system
Patterns of Financial regulation
目錄
一 引言 - 1 -
二 金融監管與金融監管制度相關理論概述 - 2 -
(一)金融監管相關理論概述 - 2 -
1、金融監管的內涵 - 2 -
2、金融監管的必要性分析 - 2 -
(二)金融監管制度相關理論概述 - 6 -