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金融监管的公众认同是社会公众对于金融市场的治理及其效果的认可和接受。公众认同之于金融监管,具有重要的作用和意义。但在当下中国,金融监管的公众认同面临监管主客体之间存在信任障碍、威权管制模式不适应金融监管发展趋势、忽视金融消费者保护、金融排斥问题严重等现实障碍。因此,金融监管公众认同的实现路径有赖于社会资本和制度资本的共同作用。一方面,通过引入社会资本理论,化解金融监管的理念困境,扩展监管思路;另一方面,通过完善和设计制度资本以弥补社会资本的缺陷和不足。
The public recognition of financial regulation is the approval and acceptance of the public for the governance of financial markets and their effects. Public recognition of financial regulation, has an important role and significance. However, in present China, the public approval of financial regulation faces the obstacles of trust between the regulatory subjects and objects, the authoritarian regulatory regime does not adapt to the trend of financial regulation, neglect the protection of financial consumers and the serious problem of financial exclusion. Therefore, the realization of the public approval of financial supervision depends on the joint action of social capital and institutional capital. On the one hand, the concept of social capital is introduced to resolve the dilemma of financial regulation and expand the regulatory thinking; on the other hand, the system of capital is refined and designed to make up for the shortcomings and deficiencies of social capital.