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黄益平:应设立横跨一行三会的数字金融监管委员会
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Topic: 黄益平:应设立横跨一行三会的数字金融监管委员会 (Read 66 times)
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黄益平:应设立横跨一行三会的数字金融监管委员会
November 23, 2017, 09:30:50 PM
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本文来自新浪财经,原标题《黄益平:应设立横跨一行三会的数字金融监管委员会》,授权华尔街见闻转载。由上海新金融研究院主办的“第七届上海新金融年会暨第四届金融科技外滩峰会”于2017年7月8日-9日在上海举行。SFI学术委员会主席、北京大学数字金融研究中心主任黄益平出席并演讲。毫无疑问,“防范系统性金融风险”已经成为决策层最为关注的问题之一,最近三年来,金融风险在不同的部门、行业之间随机游走,从股票市场、债券市场、影子银行,房地产市场、外汇市场到数字金融行业。风险是否已经把控不住了?是否已经变成了系统性问题?对此,黄益平做出了自己的分析。第一,他认为风险一直存在,以前没有爆发的重要原因是我国经济一直持续高速增长、并且风险有政府兜底。但现在“这两个因素都在淡化”。第二,M2与GDP之比已经到了208%,同时可投资资产相对比较稀缺,这就导致了很多流动性在追逐有限的可投资资产。“不管到哪个领域,很容易出现繁荣,风险、泡沫,最后变成调整”。第三,当下存在监管政策协调不当和监管政策定位的问题。金融系统有一些地方没有得到比较恰当或充分的监管。影子银行、地方政府融资、数字金融等领域,金融风险潜在威胁是最大的。“凡是你能看得清楚的地方,风险相对来说比较容易防控,凡是容易出问题的地方,往往是你看不清楚的地方”。黄益平认为,传统货币政策,关注的是利率、货币供应量、银行贷款。但由于数字金融的高速发展,产生了与以往不同的现象,比如宝宝类产品的额度已经达到了万亿的规模,“它是M0,还是M1,还是M2?在数字测算上会出现一些问题”。此外,宝宝类产品里的资金是现金还是资产?“这两个是瞬间转移,有的时候对货币总量的测度以及调控,造成一些困难。这对货币政策框架,其实是提出了挑战”。在谈到系统重要性机构如何监管的问题时,黄益平表示,在银行业、保险业,都有系统重要性的机构,但在数字金融领域,是否也存在这个问题值得思考。“我们一直对数字金融的发展抱着相对乐观的态度,以为它确实为实体经济提供了实实在在的服务。但同时,也带出来很多问题,有一些是风险,有些是新的挑战”。黄益平表示,当下,监管者不仅要懂金融,还要懂技术。“如果不懂技术,只是懂金融交易,有的时候会赶不上。因为数字金融的风险,有的时候是金融风险,有的时候可能是技术风险”。黄益平建议,货币政策方面,要尽快从数量型工具转向价格型工具。在监管方面,应设立横跨一行三会的数字金融监管委员会,此外,要对数字金融和传统金融设置统一、明确的监管标准。“否则,互联网公司做金融、金融公司用互联网技术,出现了一个融合的趋势,但监管标准不一样,很容易出现监管套利,这是应该避免的”。在谈到金融牌照时,黄益平认为,应该允许创新。“金融行业要有门槛。但前提是,尽可能在创新和风险之间求得平衡”。
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