我国金融业监管体系的局限性分析

Analysis of the Limitations of China's Financial Regulatory System

美国次贷危机席卷全球,各国金融监管的局限性凸显。中国金融监管体制也存在局限性:在实际中缺乏协作、监管的范围太小、存在监管漏洞、监管手段和方式更不上金融创新的发展、监管的法律不够完善、随着经济的全球化和金融一体化,金融监管的缺乏国际协作等等。我国金融监管必须要随着金融的发展而调整,借鉴各国经验进行创新,完善金融监管体系,使之与金融市场的发展相协调,注重信息的共享和监管的协调,使信息的不对称程度降低到最小,最大程度地减少监管的成本,确保监管不存在漏洞,监管及时,防范新的危机。

The U. S. subprime are highlighted. China＇ s financial mortgage crisis sweeps the globe, and the world＇ s financial regulatory limitations regulatory system has limitations ： the lack of collaboration and the small scope of regulation, regulatory gaps, regulatory means and methods on the development of financial innovation and the laws of the regulation not being perfect in practice, along with economic globalization and financial integration, fi- nancial supervision also being lack of international collaboration. China＇ s financial supervision must be in line with the development of financial adjustment, learn from the experience of other countries to innovate and improve the fi- nancial regulatory system in accordance with the financial markets development and coordination,focuse on the co- ordination of information sharing minimum ,to minimize the cost of new crisis. and supervision to make the degree of information asymmetry to be reduced to a regulation to ensure that the regulatory loopholes, timely supervision to prevent a