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2016年3月正式出台的《山东省地方金融条例》是我国首部省级地方金融法规。该条例的出台对地方金融发展与法制建设具有重要意义。整体来看,我国金融法律体系具有结构清晰和完整、内容较为笼统、立法主体集中于中央层面的特点。目前,我国的金融立法和金融监管难以适应金融改革和金融发展的需要,特别是地方金融监管存在的法制滞后、监管权责不一致、监管资源有限、监管存在空白等困境制约了地方金融监管的有效性,近年来频发的金融诈骗、跑路事件也反映出我国金融监管存在的巨大漏洞将导致极其严重的后果。在此背景下,山东省出台的《山东省地方金融条例》是对提高地方金融监管能力的积极探索,本文认为其立法意图不仅是为弥补金融监管空白、防范金融风险、保护金融消费者和投资者的合法权益,更是为了加快地方金融改革,提高金融服务实体经济的效能。
In March 2016, the “Local Financial Regulations of Shandong Province” formally promulgated is the first provincial-level local financial regulation in our country. The promulgation of the Ordinance is of great significance to the development of local finance and the construction of the legal system. Overall, China’s financial legal system has a clear and complete structure, a more general content, and the main body of legislation concentrates on the features at the central level. At present, China’s financial legislation and financial regulation are difficult to adapt to the needs of financial reform and financial development. In particular, the lack of legal system in local financial supervision, inconsistent regulatory powers and responsibilities, limited supervision resources and gaps in regulation restrict the effectiveness of local financial regulation In recent years, the frequent financial frauds and run-off incidents also reflect the huge loopholes in the financial supervision of our country that will lead to extremely serious consequences. Against this background, Shandong Province’s Local Financial Regulations promulgated a positive exploration of improving local financial regulatory capabilities. This article argues that its legislative intention is not only to make up for the gaps in financial regulation, guard against financial risks, protect financial consumers and invest The legitimate rights and interests of the people, but also to speed up local financial reform, improve financial services, the effectiveness of the real economy.