金融监管与竞争

内容摘要·················································2

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1.1社会主义市场经济······································3

1.2金融业的发展··········································3

1.3金融业带来的好处······································3

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2.1金融自由化············································4

2.2我国的金融自由化······································5

2.2.1 利率自由化··········································5

2.2.2金融业务与机构自由化································6

2.2.3资本账户自由化······································6

2.3我国金融监管现状······································7

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3.1金融自由化与监管的关系·································7

3.2WTO下的新政策··········································8

3.3我国金融监管的目标······································8

第四章·····················································9

4.1金融业的竞争性··········································9

4.2中央银行的金融监管·····································10

4.3中国银行业监督管理委员会的监管·························10

4.4监管职责················································11

参 考 文 献················································12

内 容 摘 要

   从改革开放以来，我国开始实行社会主义市场经济，金融业开始发展。随着时间的推移，金融自由化所能够带来的巨大的潜在利益需要对自由化进行推动，坐观世界上各个实行市场经济的国家，没有不实行金融监管的。为此需要建立必要的纪律对国内政策包括监管政策进行规制。主要研究解决自由化中的金融监管问题，首先应当理清自由化及其纪律与监管的关系问题；同时，亦需要对WTO规则下审慎措施的标准及审慎措施在国内政策中的体现进行探讨和分析。并且金融业天然是竞争性的，但放任的逐利竞争必然会危及金融业的安全稳定和存款人的利益，政府不得不采取一定的金融监管措施。商业银行发展到相当高度便产生出中央银行。金融监管遂成为中央银行重要的职能和手段。在近代金融发展过程中 非中央银行金融机构为攫取高额利润。总是千方百计设法逃避当时金融法规的管制。谋求竞争优势，而中央银行为维护公平竞争、稳定金融秩序、保障债权人权 

益 、促进经济繁荣，则总是根据金融竞争的不同性质不断修正现有金融法规或制定出新的金融法规进行新的金融监管。

关键字：社会主义市场经济 金融自由化 金融监管 金融的竞争性 中央银行