金融监管与竞争

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

金融监管现状···················································3 

  （一）严格的分业经营和多元化的监管模式限制了商业银行的发展空间···3 

  （二）金融监管内容重点不突出，内容不全面·························3     

  （三）金融监管方式过分依赖行政审批和现场监管手段陈旧和体系不健全·4

  （四）金融监管人力资源严重稀缺，金融监管能力偏低 ················4                                          

金融竞争现状···················································4

  （一）专业银行展开了一系列的不正当竞争活动·······················4     

  （二）金融市场各主体竞争活动混乱无章·····························6

  （三）各级人民银行也在不同程度上存在执法犯法的问题···············6

  （四）充分利用网络···············································6

  （五）微信客户端·················································7 

  （六）扎根于社区，打造便民服务金融超市···························8             

三、金融监管与竞争辩证关系·········································9

四、强化金融监管与竞争的建议·······································9

  （一）加强人民银行自身建设·······································9

  （二）强化管理，确保银行监管与央行维护金融稳定的协调·············10   

  （三）规范、整顿、完善金融市场···································10

参考文献···························································12

内 容 摘 要

    近年来，随着金融业务的发展与扩张，不断的出现恶意竞争，监管不力等现象。重点突出在分业经营和多元化的监管模式，最终结果是监管限制了金融业的发展空间，竞争导致监管部门跟不上竞争产生新产物的步伐，缺乏一套合理有效的协调机制也使金融监管不能适应现代金融发展的需要。金融市场各主体竞争活动混乱无章，金融监管方式过分依赖行政审批和现场监管，监管手段陈旧，再加上新兴网络金融的兴起，使监管机构必须加强自身建设，强化管理，确保银行监管与央行维护金融稳定的协调。我国经济正处于转型时期，客观认识和发挥金融的作用尤为重要。我金融竞争与金融监管相对立而存在、相斗争而发展乃是近现代金融领域中的一个普遍规律。正确把握金融竞争与监管之间关系，两者循环往复矛盾斗争直接导致金融工具的不断创新和金融结构的不断变动．从而推动金融业不断向前发展。

 

   关键字：竞争 监管 发展