摘要
有效应对各类风险的挑战,是中国式现代化面临的一个日益重要的治理议题.本文聚焦于研究西方险基监管理论的发展脉络及其启示,通过对相关文献的系统分析来总结其理论和实践特征,探讨了回应性的险基监管、面向低风险的"良好监管干预设计"矩阵以及以风险披露助推理论,厘清了险基监管的发展脉络.在理论的基础上,关注欧洲主要国家险基监管实践的多维度差异,并归纳出治理传统、组织结构、行业影响与问责设置等解释性因素.结合险基监管理论与实践的启示,提出面向中国式现代化的险基监管在风险评估时要综合考量经济、社会、政治和文化多方面的风险,在具体落实时要充分体现险基监管的适应性和灵活性.
Abstract
Tackling a spectrum of risk challenges has become an increasingly pivotal governance issue facing Chinese path to modernization.Through a review of representative literature of risk-based regulation,this article comprehensively and systematically summarizes the development and practical application of risk-based regulatory governance theory.Firstly,the article posits that the essence of risk-based regulatory theory lies in the rationalization of regulation,which is specifically manifested in the application of risk assessment,especially in the pre-determination of risk control baselines and the principle of proportional allocation of resources.Secondly,this article further outlines the development of really responsive risk-based regulation,the matrix of'good regulatory intervention design'aimed at lowing risks and nudging through risk disclosure,clarifying the evolution of risk-based regulation.This article also pays attention to the adoption paths of risk-based regulation in major European countries,which offers explanations for the differentiated choices made by various countries through the aspect of multiple levels,including governance traditions,organizational structures,industrial impacts,and accountability settings.Finally,drawing insights from the theory and practice of risk-based regulation,this article explores risk-based regulation in the context of the modernization of China's governance.
基金项目
中央高校基本科研业务费专项中国人民大学科研项目(19XNQ036)
NETL
NSTL
维普
万方数据