Study On The Law Of Financial Supervision And Regulation In Two Peaks Of Britain

This article will start from five major parts,through the study of the British "double peak" financial supervision model,combining China's actual situation and the party's theory,put forward the legal reform proposal for China to construct the new financial supervision framework of "one committee,one party,two meetings".First of all,through the analysis of "double peak" financial regulation model,through the current international practice of the representative countries Australia and the United Kingdom to obtain the British "double peak" supervision model better conclusion and the significance of this study.Secondly,the author studies the Prudential supervision under the "double peak" financial supervision model.Prudential regulation is divided into macro-prudential regulation and micro-prudential regulation according to different regulatory purposes.The former aims at preventing systemic financial risks and the latter aims at controlling the risks of individual financial institutions.Thirdly,the author studies the behavior supervision under the "double peak" financial supervision model,and makes it clear that the purpose of supervision is to protect financial consumers.Specifically from the four aspects of consumer-oriented policy,protecting financial consumers 'right to know,raising consumer's awareness of financial risks,and attaching importance to financial consumers' education,specific behavior supervision is elaborated.Again,the author studies the operating mode of "double peak" financial supervision in the UK.From the central bank to the core of the operation mode,the "double peak" between the operation mode and related expansion mode.Finally,in the fifth part,according to the actual situation and existing problems in China,this paper puts forward some legal suggestions to perfect China's financial supervision pattern.This paper argues that China should give the central bank macro-prudential supervision power,strengthen the protection of the rights and interests of financial consumers,restructure the communication mechanism between the regulatory agencies,and carry out international financial supervision cooperation toimprove the financial supervision pattern in order to adapt to the new economic development.