上海自贸区银行监管体制改革路径探析

摘要

Shanghai FTA practices system innovation as a cutting-edge opening in many financial sectors, where the innovation of operating system and business of banking is in the core position, influencing the development of financial, economy, trade, etc.. But the innovation comes with risks. The banking innovation of FTA boosts the economy and challenges the regulation. This paper analyzes what risks financial innovation may bring to banks and regulatory problems, thus proposes the innovation system of FTA regulation from the following aspects: the establishment of the independent regulatory organs, self-management, information disclosure, and many other dimensions.%上海自贸区在诸多金融领域实践其作为开放前沿的制度创新，其中银行经营体制与业务的创新居于核心地位，影响着金融、经济、贸易等的发展，但创新伴随着风险，自贸区银行业务的创新在助推经济发展的同时也为监管带来了极大的挑战。针对自贸区相关金融创新对银行可能带来的风险和监管机构面对银行业务创新的监管难题，可从独立监管机构设立、自律管理、完善信息披露等多维度加强监管。