我国金融监管体系存在的问题及完善对策
我国金融监管体系存在的问题及完善对策(论文11900字)
内容摘要：金融业是国民经济的支柱性产业，它的健康发展直接影响到我国经济社会的稳定。而金融监管体系作为保障金融业健康良性发展的重要机制，不仅可以预防各种金融问题，还可以有效规避金融风险，防止金融危机的发生。因此为了促进我国金融业的持续稳定发展，必须要不断完善金融监管机制，实现对金融机构的有效监督。但是，由于我国的金融业起步较晚，金融市场还并不成熟，因而我国的金融监管体系与发达国家相比还差距甚远，存在着一系列问题，例如监管机构之间缺乏协调机制、金融监管环境不完善等，这些问题不仅给我国的金融监管带来了严峻的挑战，也制约了我国金融市场的进一步发展，影响到了社会经济的稳定。据此，本文立足于我国国情，从金融监管的内容和必要性出发，以相关理论为支撑，运用文献研究法、归纳总结法等的研究方法阐述了我国金融监管体系的历史沿革，分析了我国金融监管体系目前存在的问题，并据此提出了改进我国金融监管体系的对策，以期能对我国金融市场稳定提供一点有益的意见。
关键词：金融监管体制 存在问题 形成原因 解决对策
Abstract：The financial industry is the pillar industry of the national economy, its healthy development directly affect the stability of China's economic and social. And financial regulatory system as a guarantee of financial industry healthy development of an important mechanism can not only prevent various financial problems, also can effectively avoid financial risks, prevent the occurrence of financial crisis. Therefore in order to promote the sustainable and stable development of the financial industry in our country, we must to continue to improve the financial supervision mechanism, realize the effective supervision of financial institutions. However, due to the late beginning of China's financial industry and financial market is not mature, so the financial supervision system in our country compared with developed countries is still a far cry, there is a Series of problems, such as regulatory agencies lack of coordination mechanisms, financial regulatory environment is not perfect, these problems not only to the financial supervision of our country brought severe challenges, but also restricts the further development of China's financial market, the impact of the economic and social stability. Accordingly, based on on the national conditions of our country, starting from the necessity and contents of financial supervision, supported by relevant theories, using the method of literature research, experience method and the theory and practice of combining research methods discusses the historical evolution of financial supervision system in our country, analyzes the problems existing in the financial supervision system in our country, and accordingly proposed improvement of financial supervision system in our country In order to guarantee the stability and security of our country's financial market, we can help to reform and perfect the financial supervision system in our country.
[资料来源：http://www.doc163.com]
Key words: financial supervision system problems reasons Solutions
目录
引言 2
一、我国金融监管体系的发展 4
（一）大一统的人行体制建立时期 4
（二）金融监管体系初步形成时期 4
（三）分业监管体系形成时期 5
（四）金融监管体系改革时期 5
二、我国金融监管体系存在的问题 6
（一）“泛亚贵重金属”事件概述 6
（二）“泛亚”事件背后我国金融监管体系存在的问题 8
三、导致我国金融监管体系出现问题的原因 10
（一）金融监管机构存在问题 11
（二）金融监管模式存在问题 11
（三）金融监管法律的不健全 12
（四）对互联网金融的监管缺位 13
四、完善我国金融监管体系的对策 14
（一）加强投资者风险教育 14
[资料来源：https://www.doc163.com]
（二）抽掉监管“真空” 14
（三）完善金融监管的内容和方法 15
（四）加强对金融监管的立法工作 15
（五）进一步强化对互联网金融的监管 16
五、结论 17
参考文献 17 [来源：http://www.doc163.com]