对建立我国有效金融监管体制的思考

The Discussion on Chiness Finance Supervisory System

当前国际金融体系呈现出融资的证券化，市场的全球化及成交和支付手段的电子化和网络化，这使得金融监管更加复杂困难，如果监管不当就会引发金融危机且会波及许多国家。我国的金融监管体制也存在很多问题，如果不及时完善监管体制，我国金融体系的安全和稳定会受到威胁，而且不能抵御国际金融风波的冲击。因此建立有效金融监管体制是必要的和紧迫的。目前我国金融监管主要是合规性监管，采取由央行为主的单一监管模式，主要对市场准入、业务经营、市场退出进行监管。我国监管体制存在的问题是央行的独立性不够；监管机构职责不清，执法力度不够；监管手段落后，监管所依据的法律不完备等。这些亟待解决。

The innovation of the international finance promotes the development of the international finance.However,it makes the international finance shakier and the finance supervisory more difficult.Therefore,many developed countries have revised their law and adjusted their policies to deal with these problems. Chinese finance supervisory system must be perfected now;otherwise the safety and the steadiness of our financial system will be lost and the economy will be affected by the international finance crisis. In this paper,Chinese finance supervisory system is analyzed and some advice is put forward.