我国金融监管制度的目标框架选择

On the Choice of Target Model of Financial Supervision and Regulation of China

金融结构变迁要求具有动态适应性的金融监管制度,在金融结构变迁的过程中动态的调整金融监管制度能控制金融风险,增强金融系统的资金配置效率并促进金融结构的变迁。目标金融监管制度应具有前瞻性、经济可行和一定的弹性,我们应当以金融结构变迁为基础,逐渐从以行政干预为主、行业自律为辅的监管过渡到以行业自律为主、行政干预为辅的监管结构;从机构监管过渡到功能监管;从分业监管过渡到统一监管。

The financial structure evolution need a dynamic model of supervision and regulation, in the process of financial structure evolution, the dynamic model can control the financial risk and improve the efficiency of financial system and promote the evolution of financial structure .The model must have prospect and economical and elasticity. In order to establish the model we must do as following： reduce the interfering and increase self- discipline; replace the institution- based model with the function- based model; replace the split model with the unit model.