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巴塞尔协议Ⅲ是应对金融危机而生的一揽子方案,也是一部值得研究的法律文本。它的监管内容和监管理念,及其微观审慎和宏观审慎相结合的金融监管新模式,代表着国际银行业监管的最新趋势。目前我国已将巴塞尔协议Ⅲ引入国内法,借鉴宏观审慎监管理念,初步确立了宏观审慎监管框架。这势必对我国金融监管体制带来变化,一方面,表现在监管工具和监管理念上的变化;另一方面,我国金融监管体制改革应明确宏观审慎监管机构,建立法治化、实体化的监管协调机制。
Basel III is a package of programs to deal with the financial crisis and a legal text worth studying. Its regulatory content and regulatory philosophy, combined with its micro-prudential and macro-prudential new mode of financial regulation, represent the latest trend of international banking regulation. At present, China has introduced Basel III into its domestic law, drawing on the concept of macro-prudential supervision and initially establishing a macro-prudential regulatory framework. This will inevitably bring about changes to the financial regulatory system in our country. On the one hand, it manifests itself in the changes in regulatory tools and regulatory concepts. On the other hand, the reform of China’s financial regulatory system should clearly define the macro-prudential regulatory agencies and establish a legalized and substantive regulatory coordination mechanism.