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2635字论文范文当前金融监管体系存在的问题及对策

论文类型:论文范文
论文字数:2635字
论点:金融,美国,发展
论文概述:

本文在相关文献研究的基础之上,对当前金融监管制度的现状进行了分析与探讨,并指出当前在金融监管制度方面存在的问题,并结合当前社会发展的实际,提出提高金融监管水平的对策与建议,以期

论文正文:

Since bread-and-butter liberalization , the United States has fabricated ample socio-economic development and advance , to added advance the people\'s active standards , the acceleration accomplished with the cyberbanking development of these achievements are inseparable , accounts in bread-and-butter development for the association to accommodate able funding, advice access funds for the absolute economy, amusing development, and for the advance of amusing development has a actual important significance. In the accepted aeon of development, deepening cyberbanking assay is decidedly important. It is account acquainted that, due to cyberbanking development has a assertive arbitrariness , which requires assorted authoritative departments to strengthen administration to ensure the acceptable development of cyberbanking success , the alone way to be able to finer advance amusing progress. Therefore, in the present analytical aeon of amusing development, strengthen the cyberbanking authoritative arrangement to abstraction significant.美国社会经济取得了长足的发展与进步,人们生活水平进一步提高,这些成绩的取得与金融发展的速度是分不开的,金融在经济发展过程中为社会提供了充足的资金,帮助社会实体经济获得资金进行发展,对于社会发展的推动具有非常重要的意义。在当前发展时期,加强对金融的研究显得尤为重要。值得注意的是,由于金融发展具有一定的随意性,这就要求各监管部门能够加强监管力度,保障金融的顺利可持续发展,只有这样,才能够有效的促进社会进步。因此,在当前社会发展的关键时期,加强对金融监管制度进行研究意义重大。
 First, the accepted cachet of U.S. cyberbanking regulation.一、当前美国金融监管的现状。
 Finance is the amount of the U.S. abridgement and amusing development, for the advance of the role of the amusing abridgement is actual accessible . Maintain and advance cyberbanking development is actual important for the advance of amusing development and bread-and-butter adherence , advance accessible aplomb in the cyberbanking and bread-and-butter development. To finer advance the akin of cyberbanking development , there have to be a able cyberbanking authoritative system.金融是美国经济社会发展的核心,对于社会经济的推动作用是非常明显的。维护和促进金融的发展对于促进社会经济稳定发展、提高社会公众对金融经济发展的信心是非常重要的。要想有效的提高金融的发展水平,必须要有稳固的金融监管体制。
 From a applied point of appearance the accepted U.S. amusing development , the U.S. cyberbanking authoritative arrangement accomplished mainly in the sub-sector -based administration , the People\'s Bank of China back the above abrogating bread-and-butter liberalization , the United States has fabricated ample socio-economic development and advance , to added advance the people\'s active standards , acceleration accomplished these after-effects and cyberbanking development are inseparable , accounts in bread-and-butter development for the association to accommodate able funds to advice the association to get funds for the development of the absolute abridgement , for the advance of amusing development has a actual important significance. In the accepted aeon of development, deepening cyberbanking assay is decidedly important. It is account acquainted that, due to cyberbanking development has a assertive arbitrariness , which requires assorted authoritative departments to strengthen administration to ensure the acceptable development of cyberbanking success , the alone way to be able to finer advance amusing progress. Therefore, in the present analytical aeon of amusing development, strengthen the cyberbanking authoritative arrangement to abstraction significant. 1、The accepted cachet of U.S. cyberbanking regulation. Finance is the amount of the U.S. abridgement and amusing development, for the advance of the role of the amusing abridgement is actual accessible . Maintain and advance cyberbanking development is actual important for the advance of amusing development and bread-and-butter adherence , advance accessible aplomb in the cyberbanking and bread-and-butter development. To finer advance the akin of cyberbanking development , there have to be a able cyberbanking authoritative system. From a applied point of appearance the accepted U.S. amusing development , the U.S. cyberbanking authoritative arrangement accomplished mainly in the sub-sector -based administration , the People\'s Bank of China is mainly amenable for the conception and accomplishing of budgetary action functions , is amenable for the transaction of the aegis of the cyberbanking arrangement , advancement a amusing cyberbanking markets stability. The CBRC is primarily amenable for the administration and administration arrangement for the cyberbanking industry in accordance with the accoutrement to assembly operations , the CBRC is mainly amenable for the assorted types of trusts and cyberbanking asset administration administration to anticipate deviations from the assembly business , and the capital responsibilities of the Commission is amenable for the administration of balance , futures and armamentarium administration and administration , so that it can bigger development. CIRC is to administer and administer its allowance bureau management. U.S. cyberbanking authoritative arrangement to administer administration archetypal band 3 will , afterwards years of development , the achievements are actual obvious. Especially afterwards abutting the WTO, the success of an able all-embracing acknowledgment to the cyberbanking appulse , the adeptness to acclimate to the cyberbanking ambiance is consistently added , but the accepted U.S. cyberbanking authoritative archetypal compared to adopted developed countries , there are still some gaps and weaknesses these gaps and weaknesses for the acceptable development of the U.S. cyberbanking arrangement is actual unfavorable. Second, problems assay of the U.S. cyberbanking authoritative system.二、美国金融监管制度存在问题分析。( A ) the cyberbanking authoritative objectives are not bright . Currently, the U.S. cyberbanking regulators in adjustment to bigger aegis the bland development of the cyberbanking business development efforts and accession the akin of the cyberbanking area . Financial adjustment is mainly a admeasurement of government ascendancy , you can bigger assure the interests of depositors , so that forth with accustomed clue the development of the cyberbanking area , to finer boldness assorted cyberbanking risks. But the accepted U.S. ambition in the cyberbanking adjustment is not clear, basically to assure the development of the cyberbanking area , for attention the interests of depositors were not enough, focused primarily on blockage and accident acknowledgment , finer eliminating the cyberbanking risks. ( B) The aftereffect of industry authoritative archetypal is not obvious. United States due to the access of institutional and added affidavit , mainly on cyberbanking administration of the accomplishing of abstracted administration mode, these abstracted administration archetypal to some admeasurement able in announcement the development of the cyberbanking area , but there are some problems, the a lot of accessible botheration is difficult to accomplish compatible regulation. Currently, the Commission , China Cyberbanking Authoritative Commission , China Allowance Authoritative Commission on the alignment belongs to an absolute physique set up the aforementioned akin of authoritative institutions ambition altered authoritative approaches taken by different, so get authoritative abstracts are not the aforementioned , the aforementioned authoritative indicators for anniversary analogue of authoritative physique is different, its not the aforementioned measures taken . Also, because these three departments are abstracted administration access , causing problems afterwards three sectors of alternate buck-passing , harder to ascertain responsibilities , is not accessory to the accumulation of the authoritative arrangement , authoritative it added difficult regulation. Third, to enhance the akin of the U.S. cyberbanking authoritative measures .三、提升美国金融监管水平的措施。( A ) change the absolute archetypal of cyberbanking adjustment . In the new aeon of development , in adjustment to finer advance the authoritative akin , the accumulation of a unified authoritative access , we have to change the absolute archetypal of cyberbanking adjustment , to anatomy a alloyed operation , authoritative archetypal beneath the new bearings unified supervision. With the alteration cyberbanking environment, the development of the United States , the trend in the all-embracing development accounts , we have to get rid of the acceptable archetypal of cyberbanking adjustment , connected advance and advance the absolute archetypal of cyberbanking adjustment , able way to advance the akin of cyberbanking administration and able aliment cyberbanking authoritative adherence , abate authoritative exhaustion , on cross-cutting , exhaustion for able adjustment to anticipate loopholes, dislocation, the absence of the abnormality . Learning through able technology to strengthen affiliation with the all-embracing cyberbanking institutions to continuously advance the akin of cyberbanking adjustment in the United States at this date . (B ) the akin of the cyberbanking area to advance abstemiousness . With the U.S. cyberbanking markets and internationalization akin ascent with accretion alien shocks faced by cyberbanking institutions has aswell added in this development of the bearings , we have to abide to strengthen centralized controls to finer physique , finer enhance cyberbanking administration level. To continuously advance the centralized ascendancy system, centralized ascendancy apparatus to finer set up in accordance with the accepted laws and regulations, enhance the akin of able administration and administration , absolute play of its cyberbanking regulation, enhance the akin of cyberbanking area development. To authorize the cyberbanking industry self-regulatory apparatus , through able book blueprint and arrangement constraints , so the industry will be able to plan beneath their own industry constraints and enhance its adeptness to attempt and accident prevention. To strengthen the cyberbanking regulators norms and constraints , to accomplish it plan in the sun and cellophane environment, enhance accuracy and credibility. (C ) a complete cyberbanking authoritative law. The acknowledged development of the cyberbanking industry is inseparable from the aegis and abutment of laws and regulations. Nowadays, with the cyberbanking ambiance of accelerating the development of the United States , to be able to abide to authorize and advance accordant laws and regulations of architecture and afterlight , the enactment of the United States absolutely acceptable for the development of applied , able and able to acclimate to the all-embracing cyberbanking environment, cyberbanking laws and regulations. To abide to advance the absolute laws and regulations, such as the \" People\'s Bank Law\", \" Commercial Bank Law.\" To abandoned the data accompanying to the addition of bazaar specific acknowledged accomplishing data so that all cyberbanking institutions to chase the law , there are rules to follow, no laws finer break applied problems . Meanwhile, the bazaar laws and regulations bare to be alien as anon as accessible , such as \" co- accounts law ,\" and so on. Alone by establishing complete laws and regulations in all aspects , it can finer advance the bland development of the cyberbanking area , in adjustment to accord to the development of American association the all-important strength. Amenable for formulating and implementing budgetary action functions , amenable for the transaction of the aegis of the cyberbanking arrangement , advancement the amusing adherence of cyberbanking markets. The CBRC is primarily amenable for the administration and administration arrangement for the cyberbanking industry in accordance with the accoutrement to assembly operations , the CBRC is mainly amenable for the assorted types of trusts and cyberbanking asset administration administration to anticipate deviations from the assembly business , and the capital responsibilities of the Commission is amenable for the administration of balance , futures and armamentarium administration and administration , so that it can bigger development. CIRC is to administer and administer its allowance bureau management. U.S. cyberbanking authoritative arrangement to administer administration archetypal band 3 will , afterwards years of development , the achievements are actual obvious. Especially afterwards abutting the WTO, the success of an able all-embracing acknowledgment to the cyberbanking appulse , the adeptness to acclimate to the cyberbanking ambiance is consistently added , but the accepted U.S. cyberbanking authoritative archetypal compared to adopted developed countries , there are still some gaps and weaknesses these gaps and weaknesses for the acceptable development of the U.S. cyberbanking arrangement is actual unfavorable. Problems assay of the U.S. cyberbanking authoritative system. ( A ) the cyberbanking authoritative objectives are not bright . Currently, the U.S. cyberbanking regulators in adjustment to bigger aegis the bland development of the cyberbanking business development efforts and accession the akin of the cyberbanking area . Financial adjustment is mainly a admeasurement of government ascendancy , you can bigger assure the interests of depositors , so that forth with accustomed clue the development of the cyberbanking area , to finer boldness assorted cyberbanking risks. But the accepted U.S. ambition in the cyberbanking adjustment is not clear, basically to assure the development of the cyberbanking area , for attention the interests of depositors were not enough, focused primarily on blockage and accident acknowledgment , finer eliminating the cyberbanking risks. ( B) The aftereffect of industry authoritative archetypal is not obvious. United States due to the access of institutional and added affidavit , mainly on cyberbanking administration of the accomplishing of abstracted administration mode, these abstracted administration archetypal to some admeasurement able in announcement the development of the cyberbanking area , but there are some problems, the a lot of accessible botheration is difficult to accomplish compatible regulation. Currently, the Commission , China Cyberbanking Authoritative Commission , China Allowance Authoritative Commission on the alignment belongs to an absolute physique set up the aforementioned akin of authoritative institutions ambition altered authoritative approaches taken by different, so get authoritative abstracts are not the aforementioned , the aforementioned authoritative indicators for anniversary analogue of authoritative physique is different, its not the aforementioned measures taken . Also, because these three departments are abstracted administration access , causing problems afterwards three sectors of alternate buck-passing , harder to ascertain responsibilities , is not accessory to the accumulation of the authoritative arrangement , authoritative it added difficult regulation. Third, to enhance the akin of the U.S. cyberbanking authoritative measures . ( A ) change the absolute archetypal of cyberbanking adjustment . In the new aeon of development , in adjustment to finer advance the authoritative akin , the accumulation of a unified authoritative access , we have to change the absolute archetypal of cyberbanking adjustment , to anatomy a alloyed operation , authoritative archetypal beneath the new bearings unified supervision. With the alteration cyberbanking environment, the development of the United States , the trend in the all-embracing development accounts , we have to get rid of the acceptable archetypal of cyberbanking adjustment , connected advance and advance the absolute archetypal of cyberbanking adjustment , able way to advance the akin of cyberbanking administration and able aliment cyberbanking authoritative adherence , abate authoritative exhaustion , on cross-cutting , exhaustion for able adjustment to anticipate loopholes, dislocation, the absence of the abnormality . Learning through able technology to strengthen affiliation with the all-embracing cyberbanking institutions to continuously advance the akin of cyberbanking adjustment in the United States at this date . (B ) the akin of the cyberbanking area to advance abstemiousness . With the U.S. cyberbanking markets and internationalization akin ascent with accretion alien shocks faced by cyberbanking institutions has aswell added in this development of the bearings , we have to abide to strengthen centralized controls to finer physique , finer enhance cyberbanking administration level. To continuously advance the centralized ascendancy system, centralized ascendancy apparatus to finer set up in accordance with the accepted laws and regulations, enhance the akin of able administration and administration , absolute play of its cyberbanking regulation, enhance the akin of cyberbanking area development. To authorize the cyberbanking industry self-regulatory apparatus , through able book blueprint and arrangement constraints , so the industry will be able to plan beneath their own industry constraints and enhance its adeptness to attempt and accident prevention. To strengthen the cyberbanking regulators norms and constraints , to accomplish it plan in the sun and cellophane environment, enhance accuracy and credibility. (C ) a complete cyberbanking authoritative law. The acknowledged development of the cyberbanking industry is inseparable from the aegis and abutment of laws and regulations. Nowadays, with the cyberbanking ambiance of accelerating the development of the United States , to be able to abide to authorize and advance accordant laws and regulations of architecture and afterlight , the enactment of the United States absolutely acceptable for the development of applied , able and able to acclimate to the all-embracing cyberbanking environment, cyberbanking laws and regulations. To abide to advance the absolute laws and regulations, such as the \" People\'s Bank Law\", \" Commercial Bank Law.\" To abandoned the data accompanying to the addition of bazaar specific acknowledged accomplishing data so that all cyberbanking institutions to chase the law , there are rules to follow, no laws finer break applied problems . Meanwhile, the bazaar laws and regulations bare to be alien as anon as accessible , such as \" co- accounts law ,\" and so on. Alone by establishing complete laws and regulations in all aspects , it can finer advance the bland development of the cyberbanking area , in adjustment to accord to the development of American association the all-important strength. Back the United States has fabricated ample socio-economic development and advance , to added advance the people\'s active standards , the acceleration of accretion and cyberbanking development of these achievements are inseparable , accounts in bread-and-butter development for the association to accommodate able funds to advice association article to access funds for bread-and-butter development and for the advance of amusing development has a actual important significance. In the accepted aeon of development, deepening cyberbanking assay is decidedly important. It is account acquainted that, due to cyberbanking development has a assertive arbitrariness , which requires assorted authoritative departments to strengthen administration to ensure the acceptable development of cyberbanking success , the alone way to be able to finer advance amusing progress. Therefore, in the present analytical aeon of amusing development, strengthen the cyberbanking authoritative arrangement to abstraction significant. The accepted cachet of U.S. cyberbanking regulation. Finance is the amount of the U.S. abridgement and amusing development, for the advance of the role of the amusing abridgement is actual accessible . Maintain and advance cyberbanking development is actual important for the advance of amusing development and bread-and-butter adherence , advance accessible aplomb in the cyberbanking and bread-and-butter development. To finer advance the akin of cyberbanking development , there have to be a able cyberbanking authoritative system. From a applied point of appearance the accepted U.S. amusing development , the U.S. cyberbanking authoritative arrangement accomplished mainly in the sub-sector -based administration , the People\'s Bank of China is mainly amenable for the conception and accomplishing of budgetary action functions , is amenable for the transaction of the aegis of the cyberbanking arrangement , advancement a amusing cyberbanking markets stability. The CBRC is primarily amenable for the administration and administration arrangement for the cyberbanking industry in accordance with the accoutrement to assembly operations , the CBRC is mainly amenable for the assorted types of trusts and cyberbanking asset administration administration to anticipate deviations from the assembly business , and the capital responsibilities of the Commission is amenable for the administration of balance , futures and armamentarium administration and administration , so that it can bigger development. CIRC is to administer and administer its allowance bureau management. U.S. cyberbanking authoritative arrangement to administer administration archetypal band 3 will , afterwards years of development , the achievements are actual obvious. Especially afterwards abutting the WTO, the success of an able all-embracing acknowledgment to the cyberbanking appulse , the adeptness to acclimate to the cyberbanking ambiance is consistently added , but the accepted U.S. cyberbanking authoritative archetypal compared to adopted developed countries , there are still some gaps and weaknesses these gaps and weaknesses for the acceptable development of the U.S. cyberbanking arrangement is actual unfavorable. Problems assay of the U.S. cyberbanking authoritative system. ( A ) the cyberbanking authoritative objectives are not bright . Currently, the U.S. cyberbanking regulators in adjustment to bigger aegis the bland development of the cyberbanking business development efforts and accession the akin of the cyberbanking area . Financial adjustment is mainly a admeasurement of government ascendancy , you can bigger assure the interests of depositors , so that forth with accustomed clue the development of the cyberbanking area , to finer boldness assorted cyberbanking risks. But the accepted U.S. ambition in the cyberbanking adjustment is not clear, basically to assure the development of the cyberbanking area , for attention the interests of depositors were not enough, focused primarily on blockage and accident acknowledgment , finer eliminating the cyberbanking risks. ( B) The aftereffect of industry authoritative archetypal is not obvious. United States due to the access of institutional and added affidavit , mainly on cyberbanking administration of the accomplishing of abstracted administration mode, these abstracted administration archetypal to some admeasurement able in announcement the development of the cyberbanking area , but there are some problems, the a lot of accessible botheration is difficult to accomplish compatible regulation. Currently, the Commission , China Cyberbanking Authoritative Commission , China Allowance Authoritative Commission on the alignment belongs to an absolute physique set up the aforementioned akin of authoritative institutions ambition altered authoritative approaches taken by different, so get authoritative abstracts are not the aforementioned , the aforementioned authoritative indicators for anniversary analogue of authoritative physique is different, its not the aforementioned measures taken . Also, because these three departments are abstracted administration access , causing problems afterwards three sectors of alternate buck-passing , harder to ascertain responsibilities , is not accessory to the accumulation of the authoritative arrangement , authoritative it added difficult regulation. To enhance the akin of the U.S. cyberbanking authoritative measures . ( A ) change the absolute archetypal of cyberbanking adjustment . In the new aeon of development , in adjustment to finer advance the authoritative akin , the accumulation of a unified authoritative access , we have to change the absolute archetypal of cyberbanking adjustment , to anatomy a alloyed operation , authoritative archetypal beneath the new bearings unified supervision. With the alteration cyberbanking environment, the development of the United States , the trend in the all-embracing development accounts , we have to get rid of the acceptable archetypal of cyberbanking adjustment , connected advance and advance the absolute archetypal of cyberbanking adjustment , able way to advance the akin of cyberbanking administration and able aliment cyberbanking authoritative adherence , abate authoritative exhaustion , on cross-cutting , exhaustion for able adjustment to anticipate loopholes, dislocation, the absence of the abnormality . Learning through able technology to strengthen affiliation with the all-embracing cyberbanking institutions to continuously advance the akin of cyberbanking adjustment in the United States at this date . (B ) the akin of the cyberbanking area to advance abstemiousness . With the U.S. cyberbanking markets and internationalization akin ascent with accretion alien shocks faced by cyberbanking institutions has aswell added in this development of the bearings , we have to abide to strengthen centralized controls to finer physique , finer enhance cyberbanking administration level. To continuously advance the centralized ascendancy system, centralized ascendancy apparatus to finer set up in accordance with the accepted laws and regulations, enhance the akin of able administration and administration , absolute play of its cyberbanking regulation, enhance the akin of cyberbanking area development. To authorize the cyberbanking industry self-regulatory apparatus , through able book blueprint and arrangement constraints , so the industry will be able to plan beneath their own industry constraints and enhance its adeptness to attempt and accident prevention. To strengthen the cyberbanking regulators norms and constraints , to accomplish it plan in the sun and cellophane environment, enhance accuracy and credibility. (C ) a complete cyberbanking authoritative law. The acknowledged development of the cyberbanking industry is inseparable from the aegis and abutment of laws and regulations. Nowadays, with the cyberbanking ambiance of accelerating the development of the United States , to be able to abide to authorize and advance accordant laws and regulations of architecture and afterlight , the enactment of the United States absolutely acceptable for the development of applied , able and able to acclimate to the all-embracing cyberbanking environment, cyberbanking laws and regulations. To abide to advance the absolute laws and regulations, such as the \" People\'s Bank Law\", \" Commercial Bank Law.\" To abandoned the data accompanying to the addition of bazaar specific acknowledged accomplishing data so that all cyberbanking institutions to chase the law , there are rules to follow, no laws finer break applied problems . Meanwhile, the bazaar laws and regulations bare to be alien as anon as accessible , such as \" co- accounts law ,\" and so on. Alone by establishing complete laws and regulations in all aspects , it can finer advance the bland development of the cyberbanking area , in adjustment to accord to the development of American association the all-important strength.