新華社北京8月10日電　題：完善金融監管體系，將有哪些著力點？

　　新華社記(ji)者李(li)延霞

　　黨的(de)二十屆三中(zhong)全會審(shen)議通過的(de)《中(zhong)共中(zhong)央關(guan)于進一步全面深化改革、推(tui)進中(zhong)國式現代化的(de)決定》對(dui)完善金(jin)融(rong)監管(guan)體系作(zuo)出(chu)部署，提出(chu)“依法將所(suo)有金(jin)融(rong)活動納入監管(guan)，強(qiang)化監管(guan)責任和(he)問責制度(du)，加強(qiang)中(zhong)央和(he)地(di)方監管(guan)協(xie)同”。

　　“這是加強和完善(shan)金融(rong)監(jian)管、提升金融(rong)風(feng)險防(fang)控能力的(de)重要部(bu)署，是促進(jin)金融(rong)高(gao)質量(liang)發展、建設金融(rong)強國的(de)關鍵舉措。”國家金融(rong)監(jian)督(du)管理總(zong)局法(fa)(fa)規司有(you)關負責(ze)人表示(shi)，金融(rong)監(jian)管總(zong)局將全(quan)面強化“五大監(jian)管”，推進(jin)各項金融(rong)立法(fa)(fa)工作，不斷提升監(jian)管的(de)前瞻性(xing)、精準(zhun)性(xing)、有(you)效性(xing)和協同性(xing)。

　　強大(da)的(de)(de)(de)(de)金(jin)融(rong)(rong)監(jian)(jian)管(guan)(guan)，是(shi)金(jin)融(rong)(rong)強國建設的(de)(de)(de)(de)六大(da)關鍵核心要(yao)素(su)之一。黨的(de)(de)(de)(de)十(shi)八大(da)以來，我國金(jin)融(rong)(rong)監(jian)(jian)管(guan)(guan)體制(zhi)機制(zhi)改革持(chi)(chi)(chi)續(xu)推進，中央銀(yin)行(xing)、金(jin)融(rong)(rong)監(jian)(jian)管(guan)(guan)部(bu)門、地(di)方金(jin)融(rong)(rong)管(guan)(guan)理機構(gou)分(fen)工(gong)協(xie)作架構(gou)逐步形(xing)成(cheng)，金(jin)融(rong)(rong)監(jian)(jian)管(guan)(guan)法(fa)(fa)律法(fa)(fa)規制(zhi)度不斷健全，金(jin)融(rong)(rong)監(jian)(jian)管(guan)(guan)能力和水平(ping)持(chi)(chi)(chi)續(xu)提升。但與(yu)此同時也要(yao)看(kan)到，我國的(de)(de)(de)(de)金(jin)融(rong)(rong)監(jian)(jian)管(guan)(guan)仍然存在一些(xie)問題，包(bao)括央地(di)間、部(bu)門間監(jian)(jian)管(guan)(guan)不協(xie)調，監(jian)(jian)管(guan)(guan)精準性(xing)、專業(ye)性(xing)、全面性(xing)有待提高；只管(guan)(guan)合法(fa)(fa)的(de)(de)(de)(de)、持(chi)(chi)(chi)牌的(de)(de)(de)(de)，一些(xie)領域存在監(jian)(jian)管(guan)(guan)空白和短(duan)板，對非法(fa)(fa)金(jin)融(rong)(rong)活動處置責任(ren)不清等(deng)。

　　依法將(jiang)所(suo)有金(jin)(jin)融(rong)(rong)活動納(na)入監(jian)(jian)(jian)管(guan)，是(shi)完善金(jin)(jin)融(rong)(rong)監(jian)(jian)(jian)管(guan)體(ti)系的重(zhong)要方(fang)面。組(zu)建(jian)中(zhong)(zhong)(zhong)(zhong)央(yang)金(jin)(jin)融(rong)(rong)委(wei)員(yuan)會、組(zu)建(jian)中(zhong)(zhong)(zhong)(zhong)央(yang)金(jin)(jin)融(rong)(rong)工(gong)作委(wei)員(yuan)會、組(zu)建(jian)國家金(jin)(jin)融(rong)(rong)監(jian)(jian)(jian)督管(guan)理總局(ju)、深(shen)化地方(fang)金(jin)(jin)融(rong)(rong)監(jian)(jian)(jian)管(guan)體(ti)制改革……去年3月，中(zhong)(zhong)(zhong)(zhong)共中(zhong)(zhong)(zhong)(zhong)央(yang)、國務院印發《黨和(he)國家機(ji)構改革方(fang)案》，其中(zhong)(zhong)(zhong)(zhong)多(duo)項涉(she)及金(jin)(jin)融(rong)(rong)監(jian)(jian)(jian)管(guan)領域。

　　業內人士認為，新(xin)一輪金融監(jian)(jian)管(guan)體制改革(ge)是加(jia)強和(he)完(wan)善現代金融監(jian)(jian)管(guan)的(de)重大舉措(cuo)，通過機(ji)構設置調(diao)整和(he)職責優(you)化(hua)，金融監(jian)(jian)管(guan)新(xin)格局(ju)加(jia)快形成，依法將(jiang)所有金融活動(dong)納入監(jian)(jian)管(guan)，實現金融監(jian)(jian)管(guan)全覆蓋。

　　金(jin)(jin)(jin)融(rong)(rong)監(jian)管總局(ju)表示，全(quan)面(mian)加(jia)(jia)強金(jin)(jin)(jin)融(rong)(rong)監(jian)管是當前(qian)和(he)今后(hou)一(yi)個時期金(jin)(jin)(jin)融(rong)(rong)工(gong)作的主要(yao)任務之一(yi)，將全(quan)面(mian)落實“五大監(jian)管”要(yao)求，堅持(chi)風(feng)(feng)險為本原則，加(jia)(jia)強法人機(ji)(ji)構(gou)審慎監(jian)管，完善機(ji)(ji)構(gou)定(ding)位，夯實金(jin)(jin)(jin)融(rong)(rong)穩定(ding)基礎；堅持(chi)依(yi)法將各類金(jin)(jin)(jin)融(rong)(rong)活動(dong)全(quan)部納入監(jian)管，規范金(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構(gou)及第三(san)方中(zhong)介(jie)機(ji)(ji)構(gou)等的經營活動(dong)；堅持(chi)“實質(zhi)重于形式”原則，對股(gu)東、關聯(lian)交易(yi)和(he)復雜產品等穿透到(dao)底；加(jia)(jia)快完善風(feng)(feng)險源頭防控、預警糾正、事后(hou)處(chu)置等機(ji)(ji)制(zhi)，加(jia)(jia)大對金(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構(gou)和(he)金(jin)(jin)(jin)融(rong)(rong)活動(dong)的全(quan)流程全(quan)鏈(lian)條(tiao)監(jian)測(ce)預警。

　　完善(shan)金融(rong)監管(guan)(guan)體系，要切實加大(da)金融(rong)監管(guan)(guan)力度。今(jin)年以(yi)來，金融(rong)監管(guan)(guan)部(bu)門開出多(duo)張大(da)額(e)罰單，處罰內容涉及(ji)信貸業務違規(gui)、內控管(guan)(guan)理不到(dao)位、保險產品銷售不規(gui)范、虛列費用等，彰(zhang)顯強監管(guan)(guan)嚴監管(guan)(guan)的(de)鮮明導(dao)向。

　　從金融(rong)(rong)監(jian)管部門(men)釋放的(de)信號看，下(xia)一步(bu)的(de)監(jian)管重點將(jiang)聚焦影(ying)響金融(rong)(rong)穩定的(de)“關(guan)(guan)鍵事”、造成重大(da)金融(rong)(rong)風險的(de)“關(guan)(guan)鍵人”、破壞(huai)市場秩序的(de)“關(guan)(guan)鍵行為”，把“板子”真正打(da)準(zhun)、打(da)痛，增強監(jian)管的(de)震懾力。

　　金融監(jian)(jian)(jian)管(guan)總局表示，將(jiang)緊(jin)緊(jin)圍繞強監(jian)(jian)(jian)管(guan)嚴監(jian)(jian)(jian)管(guan)要求，深入(ru)整治金融市(shi)場亂象，做到堅持原(yuan)則、敢(gan)于碰(peng)硬；在市(shi)場準入(ru)、審慎(shen)監(jian)(jian)(jian)管(guan)、行為(wei)監(jian)(jian)(jian)管(guan)等各個環節嚴格(ge)執法，實(shi)現金融監(jian)(jian)(jian)管(guan)“橫(heng)向到邊、縱(zong)向到底”；堅持刀刃向內，從嚴抓好“對監(jian)(jian)(jian)管(guan)的監(jian)(jian)(jian)管(guan)”，完善監(jian)(jian)(jian)管(guan)履職(zhi)問責(ze)、盡職(zhi)免責(ze)制(zhi)度等。

　　健全金融(rong)法治是(shi)完善金融(rong)監(jian)管體系的重要(yao)保(bao)障。《決(jue)定(ding)》提出制定(ding)金融(rong)法，備(bei)受市(shi)場關(guan)注(zhu)。

　　“《決定(ding)》提出制(zhi)定(ding)金融(rong)(rong)法，體現出黨中央(yang)對加強金融(rong)(rong)法治(zhi)建(jian)設，完善金融(rong)(rong)法律體系的高度重視。”金融(rong)(rong)監管總(zong)局法規司有(you)關負責人表示(shi)，金融(rong)(rong)監管總(zong)局將全力(li)配(pei)合做好金融(rong)(rong)法起草工作，推動金融(rong)(rong)領域綜合性(xing)法律的制(zhi)定(ding)取得(de)實(shi)(shi)質進(jin)展(zhan)。同時扎實(shi)(shi)推進(jin)銀行(xing)業監督(du)管理法、保險法、商業銀行(xing)法修改工作，進(jin)一步完善風險處置機制(zhi)，建(jian)立(li)風險早期糾正硬約束制(zhi)度，彌補監管制(zhi)度短板，為金融(rong)(rong)業持續規范運行(xing)夯實(shi)(shi)法治(zhi)保障。