重庆大学学报（社会科学版）2025，Vol.31Issue(6)：28-40,13.DOI:10.11835/j.issn.1008-5831.jg.2025.12.002
"十五五"时期推进金融监管现代化的策略选择
Strategies choices for advancing the modernization of financial regulation during the 15th Five-Year Plan Period:Study and implement the spirit of the Fourth Plenary Session of the 20th CentralCommittee of the Communist Party of China
摘要
Abstract
Improving the financial regulatory system is the institutional cornerstone for stabilizing expectations,strengthening confidence,and preventing risks,and serves as a key fulcrum for building China into a financial powerhouse,advancing Chinese modernization,and pursuing a path of financial development with Chinese characteristics.During the 14th Five-Year Plan period,important progress has been made in financial regulation:the restructuring of the institutional framework featuring"one committee,one central bank,one administration,and one commission"and a vertically integrated central-local regulatory system has been completed;macro-prudential and counter-cyclical policy tools have been refined;long-term governance mechanisms have been established for key areas such as platform economies,real estate,and local government financing vehicles;legal standards and information disclosure rules have been improved;and regtech development and the construction of data infrastructure have been advanced,together shaping a more centralized and unified regulatory landscape.At the same time,intensifying horizontal risk transmission and chain amplification,persistent regulatory fragmentation and blurred accountability,rapid fintech iteration and business convergence,increasingly volatile cross-border shocks,and shortages of high-calibre,multidisciplinary supervisory talent all raise the bar for regulatory capacity and governance efficiency.Looking to the 15th Five-Year Plan period,this paper argues that China should further improve its financial regulatory system with Chinese characteristics,implement full-coverage regulation that extends horizontally to all sectors and vertically to all levels,promote the integrated upgrading of digital-intelligent enablement and data governance,improve cross-border enforcement cooperation and crisis resolution mechanisms,and strengthen the training and rotation of high-calibre,multidisciplinary regulatory talent.The aim is to build a modern financial regulatory system that is coordinated and efficient,fully covered,and grounded in the rule of law,thereby contributing uniquely Chinese wisdom to the ongoing transformation of global financial regulation.关键词
金融监管/"十五五"/监管科技/金融监管复合型人才/金融监管现代化Key words
financial regulation/15th Five-Year Plan period/regtech/multidisciplinary financial regulatory talent/modernization of financial regulation分类
管理科学引用本文复制引用
胡海峰,刘斯诺.."十五五"时期推进金融监管现代化的策略选择[J].重庆大学学报（社会科学版）,2025,31(6):28-40,13.基金项目
国家社会科学基金重点项目"中国资本市场韧性的影响因素、测度与提升路径研究(21AJL012)" （21AJL012）
国家社会科学基金重大项目"新发展格局下提高直接融资比重优化金融结构与经济高质量发展研究(21&ZD111)" （21&ZD111）
