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6.2课程教案、知识点、字幕

同学们大家好
hello everyone

下面我们学习
now let's study

我国的金融机构和监管机构
china's financial institutions and regulatory agencies

金融市场是个大舞台
the financial market is a big stage

谁在舞台上演戏呢
who is acting on the stage

演员是谁呢
who is the actor

我告诉大家
i'll tell you all

主要演员之一是金融机构
one of the main actors is the financial institution

我们就来学习金融机构
we are here to learn about financial institutions

和对金融机构监管的
and the regulation of financial institutions

金融监管机构
financial supervision institution

首先看我国的金融机构有哪些
first of all, what are the financial institutions in our country

按地位和功能划分
divided by status and function

我国的金融机构可以
there are four categories

分为四大类
of china's financial institutions

第一类
the first category

中央银行
is central bank

也就是中国人民银行
that is the people's bank of china

第二类
the second category

银行
is bank

包括政策性银行
include policy banks

商业银行
commercial banks

村镇银行
rural banks

第三类
the third category

非银行金融机构
is non-banking financial institution

主要包括证券公司
it mainly includes securities companies

保险公司
insurance companies

城市信用合作社
urban credit cooperatives

财务公司等
financial companies, etc

第四类
the fourth category

在中国境内开办的外资
is foreign funded,

侨资
overseas Chinese funded,

中外合资
sino foreign joint ventures

等等金融机构
and other financial institutions established in china

先说一下中央银行
let's start with the central bank

同学们可能了解过中央银行
you may have known about the central bank

它是银行的银行
it is the bank of banks

它在国家中居于主导地位
it plays a leading role in the country.

是国家干预
it is an important tool for the state to intervene

和调控国民经济发展的重要工具
and regulate the development of the national economy

负责制定并执行
responsible for formulating and implementing

国家货币信用政策
the national monetary credit policy

独具货币发行权
having the sole right to issue money

并且实行金融监管
and implementing financial supervision

第二个是银行
second category: banks

我们说一下商业银行
let's talk about commercial banks

商业银行是
a commercial bank is

依法设立的吸收公众存款
an enterprise legal person established

发放贷款
in accordance with the law to absorb public deposits, issue loans

办理结算业务的企业法人
and handle settlement business.

它可能是与我们生活联系
it may be the financial institution

最密切的金融机构了
most closely connected with our lives

我们常用的支付宝
our commonly used Alipay

微信支付
and Wechat payments are

表面上是手机软件付款
mobile phone software payments on the surface

实际上是通过商业银行实现资金转移支付的
in fact, funds are paid through the commercial banks

银行是资金存储和转移的通道
banks are the channel for the storage and transfer of funds

第三类
third category

是非银行机构
it's a non-banking institution

我们介绍两个大家熟悉的机构
i’ll introduce two institutions that we are familiar with

证券公司和保险公司
securities companies and insurance companies

先说证券公司
first i’ll talk about securities companies

先了解一下证券
get to know the securities first

证券是指
securities refer to

我国政府
by the Chinese government

批准发行流通的有价凭证
the marketable certificates approved to be issued and circulated

比如基金
for example funds

股票
stocks

存托凭证
depository receipts

债券等
bonds etc.

经营这些业务的机构主要之一就是
one of the main institutions operating these businesses is

证券公司
the securities companies

证券公司
a securities company

在美国称为投资银行
is called an investment bank in the united states

它的主要业务是为
its main business is to provide

企业ipo提供辅导服务
counselling services for corporate ipos

帮助企业上市
and to help companies to go public

还有证券经纪业务
also they have brokerage business

就是我们常说的零售经纪
that's what we call a retail broker

帮助老百姓开立股票账户
which is to help people open stock accounts

赚取交易手续费
and they earn transaction fees

除此之外
in addition

还有证券发行承销
there are securities issuance and underwriting

为企业提供融资服务
which provides financing services for enterprises

兼并收购等
merger and acquisition, etc

那些我们听起来挺专业的资产证券化
the asset securitization

杠杆收购
leveraged buyouts

私募股权投资等等也跟证券公司息息相关
private equity and so on that all sound very professional are also closely related to securities companies

保险公司是
an insurance company is

专门经营保险业务的金融机构
a financial institution that specializes in insurance business

在我国有
there are two major categories of

财产保险公司和人寿保险公司两大类
property insurance companies and life insurance companies in china

分别经营
which are respectively engaged in

财产保险业务和人寿保险业务
property insurance business and life insurance business

我国保险业和银行业
china's insurance and banking

证券业
securities

信托业实行分业经营
and trust industries practice separate operations

分业管理
and separate management.

所以
that's why,

保险公司与银行
insurance companies and banks

证券
securities

信托机构分别设立
and trust institutions are established

分别经营
and operated separately,

彼此之间设立防火墙
and firewalls are established between one another.

第四类是在中国境内开办的外资
the fourth category is foreign-funded

侨资
overseas Chinese funded

中外合资金融机构
and sino foreign joint venture financial institutions established in china

目前该类主要有银行
at present, there are mainly banks

办事机构
agencies

投资基金
investment funds

如证券投资和风险投资基金
such as securities investment and venture capital funds

保险公司等等
insurance companies, etc

这些机构受到
these institutions are

中国金融监管机构严格监管和限制
strictly regulated and restricted by china's financial regulators

当然
of course

随着我国金融市场进一步开放
with the further opening up of china's financial market

将会有越来越多的外资金融机构
more and more foreign financial institutions

进入中国市场
will enter the Chinese market

下面我们来看
now let's see

谁监管金融机构
who oversees financial institutions

监管者就是金融监管机构
regulators are financial regulators

金融监管机构是
financial regulatory agencies are

与金融法一起产生的
created in conjunction with financial law

它是在传统国家机关和社会机构之外的
the traditional state organs and social institutions

一种新型的法律主体
it is a new type of legal subject outside

它们既不同于
they are different from

传统的行政主体
the traditional administrative subject

也不同于
also different from

传统的民商事主体
the traditional civil and commercial subjects

从世界范围看
from the perspective of the world

金融监管主要是
financial supervision is mainly

20世纪特别是二战以后
especially after the world war ii

发展起来的国家职能
the national function developed in the 20th century

它们很难列入
it is difficult for them to be included in

传统的行政法体系中
the traditional administrative law system

其权力不是行政管理权
its power is not the administrative power

而是对金融企业行为的监督权
but the supervision power over the behavior of financial enterprises.

也有自律组织通过契约形成的
it also has the self-management power formed by

自我管理权
self-discipline organizations through contracts

这些权力交织在一起
these powers interweave together

形成了一种新的权力表现形式
forming a new form of power expression

主要包括
mainly including

中央银行对金融机构的监管
the supervision of the central bank on financial institutions

中央银行是唯一
the central bank is the only

经营金融业务的国家或区域机关
national or regional organ that operates financial business

它与金融行业之间的关系表现在
and its relationship with the financial industry is reflected

他们之间的各种业务和监管关系上
in various business and regulatory relationships between them

具体来说包括三个方面
specifically, it includes three aspects

第一
the first

中央银行
Central bank

与金融业货币关系
With the monetary relationship between the financial industry

也就是中央银行作为货币发行银行
This is because the bank issuing the currency, the central bank

同普通金融机构发生的关系
The relationship between the institutions

第二个中央银行与金融业的
The second is the central bank and the financial sector

融资清算关系
Financing Liquidation relations

存款关系
Deposit relationships ah

贷款关系
Lending relationships

清算关系
Liquidating relationship

第三是中央银行和金融业的监督管理关系
The third is to oversee the relationship between the central bank and the financial sector

也就是
That is

金融机构即是中央银行的客户
Financial institutions, even though the central bank's customers

也是中央银行
Central bank

监管对象
Supervised entities

第二个是监管机构对金融机构的
The second is the regulatory body for financial institutions

监管
Supervision

那么监管机构原来有
So that there are regulatory bodies

银监会
China Banking Regulatory Commission

证监会
Commission

保监会
CIRC

二零一八年三月十三日
March 13, 2018

十三届全国人大一次会议第四次会议
Thirteenth meeting of the fourth meeting of the National People's Congress

将中国银行监督管理委员会
The China Banking Regulatory Commission

和中国保险监督管理委员会的职责
And responsibilities of China Insurance Regulatory Commission

做了整合
Made integration

组建了中国银行
Bank of China set up

保险监督管理委员会
Insurance Regulatory Commission

作为国务院
As the State Department

直属的事业单位
Directly under the institution

那么从
Well, from

原来的一行三会
The original line 3 will

这种模式转变为一行两会模式
This paradigm shift mode to two sessions a row

监管机构的监管主要包括
Regulatory regulatory agencies including

金融准入监管
Access to financial supervision

金融机构监管
Superintendent of Financial Institutions

金融业务监管
Financial services regulation

金融责任监管
Financial responsibility for supervision

举个例子
for example

银保监会对商业银行的
Silver China Insurance Regulatory Commission on Commercial Banks

设立
set up

运营
Operations

责任监管
Regulatory responsibility

就是典型的
Is a typical

金融监管关系
Financial regulation relationships


three

自律机构的监管
Self-regulatory bodies

金融监管除了中央银行
In addition to the central bank financial regulation

和监管机关的法定监管以外
And beyond the statutory supervision of regulatory authorities

还包括
Also includes

自律机构的自律管理
Self-regulation self-regulatory organizations

比如说
For example,

金融交易场所
Financial market place

行业协会
Industry Association

作为民间机构
As a private institution

通过
by

成员之间的
Between members

自律性约定
Self-discipline convention

实现自我管理
Self-management

这种对金融机构成员的管理
This management of member financial institutions

往往比国家机构更直接
They tend to be more direct than the national institutions

更有灵活性
More flexible

是国家监管的重要补充
It is an important complement national regulation

比如
such as

银行业协会对银行机构的行业指导和管理
Banking Association of industry guidance and management of banking institutions

在银行也发展中起到
Banks also played in the development of

很重要的作用
Very important role 

他可以作为桥梁
He can serve as a bridge

把国家的金融政策
The country's financial policy

落实到银行的具体经营中去
The implementation of the bank's operations to specific


three

我们再看一下
Let's look at

金融监管管什么
What financial regulation tube

你问我
you ask me

到底啥是金融监管
In the end what is the financial regulation

天天在媒体上看到这个词语
Every day to see the word in the media

你可能觉得很简单
You may find it simple

监管么
What regulation

就是监督管理呗
Regulatory chant is


Correct

金融监管
Financial Supervision

就是监管机构对金融市场的规制行为
Regulatory behavior is the regulatory body for financial markets

那为啥一定要监管呢
That must be why regulators do

同学们可以回忆下二零零八年
Students can recall at 2008

全球金融危机
global economic crisis

和美国金融大萧条
The Great Depression and the US financial

金融危机之后
After the financial crisis

大家
everyone

痛定思痛
Bitter experience

多数认为
Most of that

造成金融危机的罪魁祸首之一
One culprit of the financial crisis

是对金融市场的宽容
Is tolerant of financial markets

或者
or

去监管化盛行的时候
Deregulation prevailed when

所以呢
So

对金融市场来说
Financial markets

金融监管
Financial Supervision

是必要的
necessary

缺乏必要的金融监管
Lack the necessary financial regulation

将导致金融监管混乱
Will lead to confusion financial regulation

甚至崩塌
Even collapse

直至发生金融危机
Until the financial crisis

金融监管可以从两个方面理解
Financial regulation can be understood in two ways

也就是说对金融机构的监管
That supervision of financial institutions

和对金融行为的监管
And supervision of the financial behavior

包括
include

金融机构准入
Access to financial institutions

机构运行
Institutions run

货币流通
Currency in circulation

投资融资等等
Investment and financing, etc.

监管的思路上
The idea of ​​regulation

松紧结合宽严相济
Elastic binding temper justice with mercy

既要保证金融市场的稳定
Necessary to ensure the stability of financial markets

同时也要鼓励金融创新
But also to encourage financial innovation

既要
Both

鼓励风险投资
Encourage venture capital

也要控制不发生系统性风险
Also control systemic risk does not occur

可以说监管的目标是
It can be said that the goal of regulation

实现保证经济的
The guarantee of economy

平稳增长
increasing steadily

保证国家货币财政体系稳健运行
Ensure the stable operation of the national currency finance system

同时
Simultaneously

也要保障创新机制
But also to protect innovative mechanisms

在这个目标下开展的各种监管措施
Various regulatory measures undertaken under this objective

都是金融监管的范畴
All categories of financial supervision


it is good

我们总结一下
We summarize

我们讲了金融机构的类型
We talk about the types of financial institutions

和监管机构的权利
And the right regulatory agencies

和监管方式
And regulatory approach

金融机构给我们提供良好的服务
Financial institutions provide us with good service

同时
Simultaneously

也要接受监管
Must be supervised

离开了监管的金融机构
He left the supervision of financial institutions

将导致金融无序
It will lead to financial disorder

监管机构
Regulatory Authority

与金融机构
With financial institutions

应当和谐共在
It should be in total harmony

各自寻找权利的边界
Each looking for the right border

这样
such

才能保障金融的稳定和创新
In order to safeguard financial stability and innovation

那最后
That last

我给大家留个思考题
I give you leave Questions

提起蚂蚁金服大家都知道
Lift the ants gold dress we all know

就是给我们提供
It is to give us

支付宝余额宝
Alipay balance of treasure

这些产品服务的那个公司
These goods and services that the company

他作为我国互联网金融
He as China's Internet banking

的服务商
Service providers

那你想想
What do you think


he

属不属于金融机构
It is not part of a financial institution

为什么
why

好同学们
Good students

这次课我们就讲到这里
The lesson we will stop here

再见
Goodbye

Economic law课程列表:

1 General theory of economic law

-1.1 Meaning and characteristics of economic law

--1.1

-1.2Adjusting object and system of economic law

--1.2

-1.3 Relations between economic law and adjacent law

--1.3

-1.4Origin and development of economic law

--1.4

-1.5.Basic principles of economic law

--1.5

-1.6Subject and types of Economic Law

--1.6

-1.7The rights of the subjects of economic law and their obligations and responsibili

--1.7

-1.8The formulation and implementation of economic law

--1.8

--Chapter homework

2. Antitrust Law

-2.1The basic issues of Anti-Monopoly Law

--2.1

-2.2Related markets and their definitions

--Discussion Question

--2.2

-2.3Legal regulation of monopoly agreement

--2.3

-2.4Legal regulation on abuse of market dominance 2.4

--2.4

-2.5 Centralized legal regulation of operators

--2.5

-2.6 Legal regulation of administrative monopoly

--2.6

-2.7 Enforcement system of antimonopoly law

--2.7

-Chapter homework

--章节习题exercises

To discuss the topic

-discussion

3. Anti-unfair Competition Law

-3.1The basic problem of Anti-Unfair Competition Act

--3.1

-3.2 Regulation of Market Confusion Act

--3.2

-3.3 Regulation of Commercial Bribery

--3.3

-3.4 Regulation of False Publicity Act

--3.4

-3.5 Regulation and Defamation of Goodwill

--3.5

-3.6 Regulation of the Infringement of Trade Secrets

--3.6

-3.7 Regulation of Improper Sales with Prizes

--3.7

-3.8 Regulation of Unfair Competition in Network Field

--3.8

-Chapter homework

--exercises

4. Consumer Rights and Interests Protection Act

-4.1 Overview of Consumer Rights and Interests Protection Act

--4.1

-4.2 The Right of Consumers

--4.2

-4.3 Operator's Obligation

--4.3

-4.4 The Protection of Consumers' Rights and Interests Made by the State and

--4.4

-4.5 Legal Liability

--4.5

-4.6 The Category of Civil Liability

--Chapter homework

--4.6

5. Finance and Tax Law

-5.1 overview of Finance and Tax Law

--5.1

-5.2 Budget Preparation

--5.2

-5.3 budget review and preparation

--5.3

-5.4 Budget Implementation and Adjustment

--5.4

-5.5 scope of application in the Government Procurement Law

--5.5

-5.6 principles and policies of government procurement

--5.6

-5.7 government procurement procedures and methods

--5.7

-5.8 government procurement contract

--5.8

-5.9 government procurement relief mechanism

--5.9

-5.10 principle of law-based taxation

--5.10

-5.11 taxpayer's right

--5.11

-5.12 tax constitutive requirements

--5.12

-5.13 the principles of the turnover tax law

--5.13

-5.14 principle of income tax law

--5.14

-5.15 principle of Property Tax Law

--Chapter homework

--5.15

6. Financial Law

-6.1 the concepts of finance and Financial Law

--6.1

-6.2 China's financial institutions and regulatory agencies

--6.2

-6.3 central bank law

--6.3

-6.4 commercial bank law system

--6.4

-6.5the securities regulatory system

--Chapter homework

--6.5

final exam

-Final Examination

6.2笔记与讨论

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