金融混业经营与金融监管法制变革

Trend of Cross-sector Financial Operation and Reformation and Perfection of Chinese Financial Supervision Law

我国大陆金融业实行分业经营与分业监管的模式,面对世界金融混业潮流和来自外资金融机构日益激烈的竞争及混业经营日益凸显的优势,中国金融各业开始相互渗透,通过各种方式避开法律的限制,尝试混业经营,显示出了由分业到混业过渡的趋势,也暴露出了现行金融监管法律制度的不少缺陷.从长远趋势看,顺应金融法制国际化和混业经营趋势,依法扩宽金融机构经营范围,统一监管机构及其权威,促进金融监管法制合理协调,建立防止内部交易关联风险的法律"防火墙",完善信息披露制度,建立监管机构之间信息共享与重大问题研究制度,依法确立监管手段和方法的多元化和现代化等将势在必行.

The financial circle of our country is diverted for four industries and each is supervised separately. With the development of the cross-sector financial operation, the vigorous competition from the foreign financial institutions and the advantages of the universal banking operation, every industry of our financial circle permeates mutually and evades the restriction of the law, which exposes some shortages and defects of Chinese financial supervision law. In order to meet the requirement of this trend, we should reform and perfect the law system of the financial supervision.