全國(guo)政協委員、交銀施羅(luo)德(de)基金(jin)公司副總裁謝衛(wei)建議,通過嚴格規范金(jin)融(rong)創新等措施加強金(jin)融(rong)監(jian)管,防范金(jin)融(rong)風險。
今年兩(liang)會,謝衛提(ti)交(jiao)了名(ming)為(wei)《關于凝聚防范金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)風險共識的(de)(de)(de)(de)建議》的(de)(de)(de)(de)提(ti)案。這(zhe)也是謝衛最近(jin)5年來(lai)第4次提(ti)交(jiao)有關防范金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)風險的(de)(de)(de)(de)提(ti)案。他認為(wei),金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)業(ye)(ye)無(wu)序創(chuang)新(xin)引發了金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)亂(luan)象。創(chuang)新(xin)主(zhu)(zhu)要圍(wei)繞兩(liang)個方面:一(yi)是淡(dan)化持證(zheng)經營(ying)概(gai)念,二是連(lian)續不斷(duan)的(de)(de)(de)(de)監(jian)管套利(li)。在淡(dan)化持證(zheng)經營(ying)方面,長(chang)期以(yi)來(lai),以(yi)互聯網(wang)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)為(wei)代(dai)表(biao)的(de)(de)(de)(de)所(suo)(suo)謂(wei)新(xin)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong),打(da)著普惠金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)旗(qi)號以(yi)野蠻生長(chang)方式迅速(su)蔓延。但近(jin)兩(liang)年不斷(duan)出(chu)(chu)現的(de)(de)(de)(de)跑路事件和資(zi)金(jin)(jin)(jin)(jin)(jin)鏈(lian)斷(duan)裂,就(jiu)是這(zhe)種(zhong)無(wu)照(zhao)經營(ying)所(suo)(suo)謂(wei)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)創(chuang)新(xin)的(de)(de)(de)(de)必然(ran)結果。在監(jian)管套利(li)方面,大量市場(chang)主(zhu)(zhu)體(ti)利(li)用監(jian)管標準的(de)(de)(de)(de)不統一(yi)進行所(suo)(suo)謂(wei)的(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)創(chuang)新(xin),實(shi)質(zhi)就(jiu)是在金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)行業(ye)(ye)內尋(xun)求監(jian)管套利(li)。整體(ti)來(lai)看(kan),無(wu)序的(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)創(chuang)新(xin)會引發眾多經濟金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)問題,突出(chu)(chu)的(de)(de)(de)(de)有抬高社會融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)成(cheng)本、破壞金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)生態等。
謝衛建議,有(you)關(guan)部門需在三大關(guan)鍵方(fang)面推(tui)出新舉措(cuo),切實防范(fan)金融(rong)風險(xian)。首先(xian),金融(rong)行業必須(xu)持牌經營。任(ren)何金融(rong)企業必須(xu)有(you)監管部門認可(ke)的金融(rong)業務(wu)許可(ke)證,這應是不(bu)容(rong)懷疑的監管底線。對現在尚未取(qu)得許可(ke)證的各類金融(rong)業態,在有(you)過幾年業務(wu)實踐后,有(you)關(guan)部門必須(xu)盡快給出結(jie)論。
其次(ci),嚴格規范(fan)金融(rong)(rong)創新(xin)。全(quan)社會必(bi)須(xu)保持對金融(rong)(rong)創新(xin)的足夠敬畏,必(bi)須(xu)明確,游離在(zai)(zai)監(jian)(jian)管之外的新(xin)金融(rong)(rong)業態和在(zai)(zai)監(jian)(jian)管部門(men)間進行(xing)的監(jian)(jian)管套利,都(dou)是不能被(bei)認(ren)可的創新(xin)行(xing)為(wei)。對金融(rong)(rong)經(jing)營(ying)主體在(zai)(zai)實踐中(zhong)創新(xin)的具體金融(rong)(rong)行(xing)為(wei),有(you)(you)關部門(men)必(bi)須(xu)迅(xun)速做出判斷(duan),是鼓勵還(huan)是試點或是禁止,要讓市(shi)場有(you)(you)明確預期。
最后(hou),金(jin)(jin)融(rong)(rong)(rong)經(jing)營(ying)主體需(xu)回歸初心。金(jin)(jin)融(rong)(rong)(rong)企業股東必須(xu)準確(que)認識到當(dang)前經(jing)濟金(jin)(jin)融(rong)(rong)(rong)形勢(shi)的(de)(de)復(fu)雜性,降(jiang)低對金(jin)(jin)融(rong)(rong)(rong)企業利(li)潤(run)和規模的(de)(de)考(kao)核要求(qiu)(qiu),給企業以(yi)更寬松的(de)(de)經(jing)營(ying)環境。監(jian)管部門和各類協會(hui)及中(zhong)介機構也(ye)要擯棄“大(da)就是(shi)美”的(de)(de)評價標準,鼓(gu)勵(li)金(jin)(jin)融(rong)(rong)(rong)企業做(zuo)出特色,回歸服務實體企業初衷。此外(wai),金(jin)(jin)融(rong)(rong)(rong)企業也(ye)必須(xu)建立正確(que)可(ke)控的(de)(de)激勵(li)制(zhi)度,防止內部人(ren)為追求(qiu)(qiu)過度利(li)潤(run)而放大(da)風險(xian)。
中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)聲(sheng)明(ming):凡(fan)本(ben)網(wang)注(zhu)明(ming)“來源(yuan):中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)證(zheng)(zheng)(zheng)(zheng)券(quan)(quan)報(bao)(bao)(bao)·中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)”的所有作(zuo)品(pin),版權(quan)均屬于中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)證(zheng)(zheng)(zheng)(zheng)券(quan)(quan)報(bao)(bao)(bao)、中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)。中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)證(zheng)(zheng)(zheng)(zheng)券(quan)(quan)報(bao)(bao)(bao)·中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)與(yu)作(zuo)品(pin)作(zuo)者(zhe)聯合(he)聲(sheng)明(ming),任何組織未經中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)證(zheng)(zheng)(zheng)(zheng)券(quan)(quan)報(bao)(bao)(bao)、中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)以及作(zuo)者(zhe)書(shu)面授權(quan)不(bu)得(de)轉載(zai)、摘(zhai)編或利(li)用(yong)其(qi)(qi)它方式使用(yong)上述作(zuo)品(pin)。凡(fan)本(ben)網(wang)注(zhu)明(ming)來源(yuan)非中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)證(zheng)(zheng)(zheng)(zheng)券(quan)(quan)報(bao)(bao)(bao)·中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)的作(zuo)品(pin),均轉載(zai)自其(qi)(qi)它媒體,轉載(zai)目(mu)的在(zai)于更好(hao)服務(wu)讀者(zhe)、傳遞(di)信息之需,并不(bu)代表(biao)本(ben)網(wang)贊同其(qi)(qi)觀點,本(ben)網(wang)亦不(bu)對(dui)其(qi)(qi)真實性(xing)負責,持異議者(zhe)應(ying)與(yu)原(yuan)出處單位主張權(quan)利(li)。
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