Study On The Supervision Legal System Of Risks Of Interest Rate Marketization

We are carrying out an interest rate marketization reform,and have obtained phased achievements.Promoting interest rate marketization is not only an important measure of improving financial system,but also a key road of improving whole market system of our country.In the process of interest rate marketization,explaining the risks generated in the process of interest rate marketization,holding overall more risks and potential crises faced by financial institutions in the process of interest rate marketization,analyzing the function and effect of law in the process of interest rate marketization,and meantime,concluding deficiency and defect of current legal system of our country responding to the risks of interest rate marketization,and pointing out the advice of improving supervision legal system of our country in the process of interest rate marketization,are of great significance exactly.This dissertation consists of four parts:The first part is the outline of our country's legal system of risks supervision of interest rate marketization.Beginning with the process and goals of interest rate marketization,this part analyzes the risks generated in the process of interest rate marketization,and concludes the necessities of legal supervision.At last,this part summarizes the status quo of the supervision legal system from the perspective of supervision department and supervision legislation.The second part introduces the defect of supervision legal system of the risks of interest rate marketization.The first is the disadvantages of supervision laws,the second is the ambiguity of power of supervision department,the third is the misuse of interest rate instrument in the interest rate marketization reform,and the fourth is the deficient response of current supervision system to innovation springing up in the process of interest rate marketization.The third part introduces supervision experience in the foreign process of interest rate marketization,which mainly is successful supervision experience of US and Britain,and meantime,failing experience in the first interest rate marketization of South Korea.The fourth part is the improvement of supervision legal system of the risks of Interest rate marketization of our country.This part puts forward four concrete measures.The first is straightening out the general idea of risks supervision from the start of supervision principle.The second is perfecting legal regulations relevant to supervision.The third is improving interest rate supervision instrument.The fourth is defining the power of supervision department.