国外金融监管体制对中国的借鉴.doc

留学金融论文代写-Abstract
As the financial globalization and economic integration process, international finance run out in tremendous changes, the international financial supervision and a new trend. in the 1980s, the world economic and financial instability have become increasingly prominent.
Our financial system is strict supervision. the new china banking regulatory commission is responsible for supervision of banks, asset management companies, trust and investment company and other savings kind of financial institutions, china insurance regulatory commission is responsible for the insurance supervision of the china securities regulatory commission is responsible for the supervision of the securities industry.
At present, china banking regulatory mainly includes the market must have the management and operation of supervision and inspection, and there is a problem of financial institutions for processing and to handle risks policy measures formulated. since reform is relatively static reasons, our financial system to exist many problems. Facing financial open, in order to effectively improve financial institutions and financial resources to ensure the efficient allocation of financial market stability and promote sustained economic development, the financial supervision will require continuous innovation and change.
The british and american financial supervision of history as the financial supervisory system of perfection has provided useful experience ：should strengthen the central bank of the supervisory system and guard against financial risks of functions ；solve the financial supervision of a holding company ；strengthen the financial supervision agencies of the coordination between ；strengthen financial consumer protection.
Should clearly, a pattern is perfect and normal, a country's financial supervision system, with its political, economic, cultural and historical factors related to the financial supervision authority, ought to study the financial development and supervision of the history of research into the case and regulations, the experience,according to their actual circumstances to comply with its own structure of banking supervision system to avoid risk and promoting the healthy development

Keywords: domestic and foreign financial regulatory financial regulatory system concept using for reference
A, foreign financial regulatory system analysis
(a) the financial regulatory system formation and development
The bank of England was founded in 1694 marked the formation of modern financial industry, but after a long time without special legislation at the bank. In 1720 and 1844 by the foam law "and the" England banking law constitutes the early British financial regulatory laws and regulations. In the 1930 s before the crisis of financial supervision of financial institutions rarely direct intervention operation behavior. Big crisis that countries to strengthen the supervision of financial, Britain is no exception. At the end of the 70 s, the new liberalism influence of Margaret thatcher created by the prime minister, in her of the implementation of the a series of policies and measures, the most influential is let go of the financial industry. The British government in 1986 introduced the financial FuWuFa ", financial liberalization reforms overall implementation, namely the financial "big bang". In 1991, has 45 branches of the bank of credit and commerce international was found do false account for a nd lost the repayment ability and be the bank of England closed in 1995, Britain's most ancient commercial bank barings bank because of its internal mismanagement collapse, the bank of England's regulatory ability widely questioned and criticized.
Crisis forced the government in May 1997, the proposed regulation of the financial system reform plan, this reform established new almighty financial regulators-financial services authority (FSA). So far, banking, insurance and securities regulatory was to unify, the UK's financial regulatory system fundamentally changed, Britain has become the first 留学金融论文代写national unified financial supervision.
In July 2010, in order to control the whole financial system systematic, the British government decided to split the financial services authority, the responsibility of supervision and concentration of power to the bank of England. Britain's new chancellor osborne said, the next two years, the functions of the financial services authority will be replaced by the three agencies, they were: the bank of England has jurisdiction over financial policy committee chief macro-economic risk; Risk administration shall be responsible for the supervision including Banks, insurance, and other financial institutions risk; Independent consumer protection agency, responsible for supervision to the general customers the service of financial institutions, and stabilize the financial markets. New financial reform blueprint around the main purpose is to improve information sharing, better play to the synergy, but unified prudent supervision of the basic principles are the same.
(2) the formation and development of the financial regulatory system
In 1782, the bank of North America in 1790 and the Philadelphia stock exchange was born, the modern financial industry produce. For the banking industry in order to monitor and intervention, and ensure financial stability, issued in 1864 the national banking law. In order to prevent financial crisis, the U.S. congress in 1913 through of the federal reserve act, marked the financial regulatory system to mature stage. By classic and new classical liberalism of economic thoughts influence, the 1930 s of financial supervision and the United States before emphasized self-discipline, heavy market choice. 30 s big economic crisis that the us banking suffered a heavy blow. Final survey think crisis is the cause of the commercial Banks to deal in securities business on the federal reserve system is caused damage, make good against the bank management principle. In order to prevent financial disaster happening again, the United States congress and regulators in 1933 set and passed the glass-steagall law, it became the financial supervision of the symbol of the law. The United States from the free development of the financial industry regulatory toward full, also began to banking, securities and insurance agencies business regulatory model.
The 1970 s wave of financial liberalization pushing the financial supervision, the pace of relaxation, with countries such as Britain financial supervision of relaxation, 80 to the 90 s, the U.S. also made a series of finan cial regulatory reforms, and in 1980 the depository institutions and less regulation currency control act in 1982 and the savings institution law "marked by, the U.S. financial regulatory into the deregulation of the stage.
Of the 20 th century financial crisis and panic, bank failure in, the listed company fraud case make people review financial deregulation and the cause of the problem, countries began to try to build a more effective financial supervision, this financial reform to Britain for the most. After the British, in November 1999, the United States congress passed the house and the senate to financial mixes industry the management as the core of the financial service modernization act (also called the case a long strange financial services the modernization act), thus to abolish the glass a Charles steger's law. This is all financial law breakthrough to modify and integration, the financial industry is the United States from separate operation to turn of mixed operation of signs, the financial sector cross area to comprehensive mixed operation received the identification of law. The United States also improved the original supervised system, form a cross between a supervised a nd unified supervision of the new regulatory model between academic circle, called "umbrella regulatory model". In this mode, the subsidiary of financial holding companies according to the business of different, accept different industry regulators of the regulation, and the federal reserve board for financial holding company umbrella regulators. American state in banking, insurance and securities are certain regulatory authority.