对完善我国金融监管体制的探讨

Probing into the Improvement of China's Financial Supervision and Management System

从1984年我国金融监管体制建立到2003年“一行三会”体制确立,经历了20年历史,四次大的变迁。目前虽然已构建起一行三会的监管框架,但运行中的矛盾和问题仍十分突出,专业化监管与综合化趋势矛盾冲突,央行与金融监管部门协调困难,必须按照统一、综合的原则进行梳理和改革。

From the establishment of China＇s financial regulation mechanism in 1984 to the establishment of ＂one bank three bodies system （People＇s Bank of China, China Banking Regulatory Commission, China Securities Regulatory Commission, China Insurance Regulatory Commission） in 2003, the past twenty years has witnessed four remarkable changes. Despite the regulatory framework of ＂one bank three bodies＂, there still exist contradictions and problems during its operation, such as the contradiction between the specialization and integration, coordination between the central bank and financial regulation departments. Therefore, China＇s financial regulation mechanism should be reformed according to the principles of unity and integration.