摘 要
随着金融全球化和金融市场创新的加速发展，金融法律监管面临着前所未有的挑战。本文旨在深入剖析当前金融法律监管中存在的漏洞及其成因，并提出切实可行的应对策略。通过对国内外相关文献的系统梳理以及对典型金融案例的实证分析，研究发现现有金融法律体系在跨市场风险防控、金融科技监管、消费者权益保护等方面存在明显不足。针对上述问题，本文创新性地提出了构建多层次协同监管机制、强化科技赋能监管手段、完善信息披露制度等解决方案。研究结果表明，通过优化监管框架能够有效提升金融系统的稳定性与安全性，同时为监管部门提供更具操作性的政策建议。本文的主要贡献在于首次将金融科技发展纳入金融法律监管的研究范畴，从理论层面探讨了技术变革对传统监管模式的影响，并结合中国国情提出了具有前瞻性的监管思路，为推动我国金融法治建设提供了有益参考。
关键词：金融法律监管 金融科技监管 跨市场风险防控
Abstract
With the accelerated development of financial globalization and financial market innovation, financial legal regulation is facing unprecedented challenges. This study aims to thoroughly analyze the existing loopholes and their causes in current financial legal supervision, and propose practical and feasible strategies. By systematically reviewing relevant domestic and international literature and conducting empirical analyses of typical financial cases, it is found that the existing financial legal system has significant shortcomings in areas such as cross-market risk prevention and control, fintech regulation, and consumer rights protection. In response to these issues, this paper innovatively proposes solutions including the establishment of a multi-level collaborative regulatory mechanism, strengthening technology-empowered regulatory measures, and improving information disclosure systems. The research findings indicate that optimizing the regulatory fr amework can effectively enhance the stability and security of the financial system while providing more operational policy recommendations for regulatory authorities. The primary contribution of this paper lies in its pioneering inclusion of fintech development within the scope of financial legal regulation research, theoretically exploring the impact of technological changes on traditional regulatory models, and proposing forward-looking regulatory ideas tailored to China’s national conditions, thereby offering valuable references for advancing financial rule of law construction in China.
Keyword:Financial Legal Supervision Fintech Regulation Cross-market Risk Prevention
目 录
引言 1
1金融法律监管漏洞的现状分析 1
1.1监管制度的缺陷审视 1
1.2新兴金融业态的挑战 2
1.3跨境金融活动的监管难题 2
2漏洞形成的原因剖析 3
2.1法律体系滞后性探究 3
2.2监管协调机制的缺失 3
2.3金融机构内部治理不足 4
3国际经验与启示借鉴 4
3.1先进国家监管模式比较 4
3.2国际组织的规范建议 2
3.3借鉴中的本土化思考 2
4完善金融法律监管的策略 3
4.1构建综合监管框架设想 3
4.2强化金融科技监管手段 4
4.3提升监管人员专业素养 4
结论 5
参考文献 6
致谢 7
