全(quan)國人大(da)代表(biao)、光大(da)集(ji)團董事長唐(tang)雙寧(ning)日(ri)前建(jian)(jian)議,盡(jin)快建(jian)(jian)立金(jin)融風險聯防機制。
唐(tang)雙寧表示,金融風險聯(lian)防機制的建立重(zhong)點(dian)包括體(ti)制、政策(ce)和技術三個(ge)方面(mian)。體(ti)制上,盡(jin)快改變(bian)“一行三會”各管一域(yu),缺(que)乏有效協同的局面(mian);政策(ce)上,宏(hong)觀政策(ce)應政出一門,監管政策(ce)應方向協同,微觀措施應信息相通(tong);技術上,建立管理信息平(ping)臺和數(shu)據共享(xiang)平(ping)臺,確(que)保互聯(lian)互通(tong)。
唐雙寧(ning)具體建(jian)議:一(yi)是(shi)(shi)加快聯防(fang)機(ji)(ji)制頂層建(jian)設。配(pei)合金(jin)(jin)融(rong)改革總體方(fang)(fang)案,各金(jin)(jin)融(rong)主體之(zhi)間的制度協調機(ji)(ji)制,提高金(jin)(jin)融(rong)聯動防(fang)范(fan)和(he)(he)(he)處置(zhi)金(jin)(jin)融(rong)風險(xian)的及時性(xing)和(he)(he)(he)有(you)效(xiao)性(xing)。在金(jin)(jin)融(rong)風險(xian)預測、分析、評估和(he)(he)(he)防(fang)范(fan)方(fang)(fang)面(mian),形成常(chang)態化的信(xin)息(xi)(xi)溝通和(he)(he)(he)工作(zuo)協作(zuo)機(ji)(ji)制。二是(shi)(shi)成立(li)金(jin)(jin)融(rong)安(an)(an)(an)(an)(an)全(quan)委員會。建(jian)議成立(li)國(guo)家層面(mian)“金(jin)(jin)融(rong)安(an)(an)(an)(an)(an)全(quan)委員會”,成員包括“一(yi)行三會”、財政、工信(xin)、網(wang)辦、公(gong)安(an)(an)(an)(an)(an)、安(an)(an)(an)(an)(an)全(quan)、商(shang)務等部委辦,發揮綜合防(fang)范(fan)金(jin)(jin)融(rong)風險(xian)的“拉網(wang)式”安(an)(an)(an)(an)(an)全(quan)平臺作(zuo)用(yong)。三是(shi)(shi)建(jian)立(li)金(jin)(jin)融(rong)安(an)(an)(an)(an)(an)全(quan)信(xin)息(xi)(xi)網(wang)絡。由央行牽頭(tou)建(jian)立(li)金(jin)(jin)融(rong)安(an)(an)(an)(an)(an)全(quan)信(xin)息(xi)(xi)共享制度和(he)(he)(he)金(jin)(jin)融(rong)監管信(xin)息(xi)(xi)數據庫,涵蓋銀(yin)行、證(zheng)券、保(bao)險(xian)業(ye)、外匯管理部門(men)和(he)(he)(he)司(si)法(fa)機(ji)(ji)關的機(ji)(ji)構和(he)(he)(he)個人征信(xin)信(xin)息(xi)(xi)、重要高管人員道德風險(xian)信(xin)息(xi)(xi)等。
據介紹,當前(qian)中國金融(rong)風(feng)險(xian)(xian)(xian)出現了需要高度(du)(du)重(zhong)(zhong)視的(de)新特征。由(you)不良貸款引發的(de)信用風(feng)險(xian)(xian)(xian),業務人員違法(fa)違規引起(qi)的(de)操作風(feng)險(xian)(xian)(xian),匯率、利率、股(gu)市(shi)波動(dong)(dong)引發的(de)市(shi)場風(feng)險(xian)(xian)(xian),創新過度(du)(du)引發的(de)法(fa)律風(feng)險(xian)(xian)(xian),資產負(fu)債(zhai)錯配引發的(de)流動(dong)(dong)性風(feng)險(xian)(xian)(xian),監管缺失(shi)引發的(de)互聯(lian)網金融(rong)風(feng)險(xian)(xian)(xian)和非法(fa)集資風(feng)險(xian)(xian)(xian),金融(rong)國際化(hua)引發的(de)跨境資本流動(dong)(dong)風(feng)險(xian)(xian)(xian)。多重(zhong)(zhong)金融(rong)風(feng)險(xian)(xian)(xian)隱患(huan)逐漸(jian)顯現,對中國金融(rong)安全構成(cheng)威脅,且風(feng)險(xian)(xian)(xian)之間交織并存。
唐雙(shuang)寧表示,必須(xu)建立金融風(feng)險(xian)聯防機制(zhi)。多重風(feng)險(xian)隱(yin)患的(de)蔓(man)(man)延(yan),特別是(shi)風(feng)險(xian)之間交(jiao)織,使得金融風(feng)險(xian)出現明(ming)顯的(de)跨(kua)(kua)行業、跨(kua)(kua)機構、跨(kua)(kua)市(shi)場、跨(kua)(kua)領域、網絡化(hua)“聯動(dong)”的(de)趨勢。面對這種(zhong)趨勢,單(dan)個的(de)監(jian)管部門,單(dan)一的(de)管控方法(fa)將(jiang)無(wu)法(fa)有效防止風(feng)險(xian)蔓(man)(man)延(yan)。
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