混业经营下的银行监管问题与模式选择

Bank supervision under the mixed financial business and choice of mode

混业经营是当今世界金融业发展的趋势,我国近期出台的有关立法也在向这个方向靠拢。金融业混业经营给金融监管带来更高的难度。我国在实行混业经营的初期,应继续维持银监会监管模式,同时加强与其它监管部门之间的协调与合作,然后逐步向建立统一的金融监管机构过渡。

Mixed financial business is the tendency of the current financing. Recent legislation in China shows the trend. However it will be more difficult to make financial supervision of the mixed financial business. At the initial stages of mixed financial business in China, the mode of supervision by the Bank Supervision Committee must be continued. Furthermore, the coordination and cooperation with other supervision departments are to be strengthened. Finally, the gradual transition to the unified financial supervision organization can be achieved.