浅析我国金融监管模式选择

A Brief Analysis on China's Financial Supervision Mode Selection

金融市场一体化进程的逐步加快,金融创新的日新月异,银行业、证券业、保险业之间的业务划分日益模糊,这些都对传统的金融监管模式提出了新的挑战。因此,改革我国现行的金融监管模式,构建高效运作的金融监管体制是我国金融监管理论与实践亟待解决的重要课题。本文从分析我国现行分业监管模式存在的主要问题入手,遵循效率性、协调性、独立性和前瞻性的原则,探求我国有效的金融监管模式,以适应金融全球化和自由化浪潮的冲击,从而保证我国金融业的健康稳健发展。

As a result of rapid integration of the financial market and change in the financial innovation, the distinctive business boundary among banking, securities and insurance industry has become bluired, which brought a new challenge to the traditional financial supervision mode. Thus, it is a most important subject of financial supervision theory and practice in China to reform the present financial supervision mode and to form a high efficient financial supervision system. This article starts with the analysis on the main problems of China＇ s present supervision mode. Furthermore, following the principles of efficiency, coordination and foresight, the article probes the efficient financial supervision mode, with which China would acclimatize herself to the trend of financial globalization and liberalization and guarantee a health and steady development of her financial industry.