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在金融体制改革的浪潮下,国家对民间小额借贷政策逐步放宽,资本市场借贷体系朝多元化发展,市场经济更趋活跃。然而,我国现有的金融监管体系面临当今金融风险防范问题的新挑战,尤其是银行内部员工成为“金融掮客”所造成的风险问题,已经力不从心。文章对“金融掮客”案件产生的背景、运作方式、监管缺失的原因及其危害性等四个方面进行调查研究,探寻“金融掮客”监管缺失的成因,并提出建立相关的防范、处置机制的建议。
Under the tide of financial system reform, the state has gradually relaxed the policy on private micro-lending, the capital market lending system has diversified and the market economy has become more dynamic. However, the existing financial supervision system in our country faces the new challenge of the current financial risk prevention. Especially, the internal bank employees become the risk problem caused by the financial bankruptcy. The article investigates the background, mode of operation, causes of the lack of supervision and its harmfulness in the “Financial Crisis” case, explores the causes of the lack of supervision of the “Financial Crisis” and proposes the establishment of relevant precautionary measures , The disposal mechanism suggestion.