金融全球化趋势下我国银行业的监管问题

On the Supervision and Management of Chinese Banking under the Tendency of Financial Golbalization

世界经济一体化在促进金融效率提高的同时 ,也带来相应的金融风险。金融监管是否有效 ,直接影响到一国金融体系的稳定和安全。有效的金融监管不仅取决于稳定的宏观经济环境、健全的金融组织体系和监管体系以及具有风险约束力的市场主体 ,也取决于监管者水平的高低。随着我国加入WTO进程的加快 ,我国金融市场将逐渐融入全球经济一体化体系当中。监管也不例外。因此 ,如何在新形势下进行有效的银行监管、维护金融秩序的稳定 ,这是我国中央银行必须面对的一个重大课题。

The integration of global economy doesn't improve financial effiency,but also brings about corresponding risks.Whether financial supervision and managemant is effective or not directly affects the stability and safety of one country's financial system.Effective financial supervision and management depends on stable macroeconomic environment,sound organizational and supervisional system of finance,market participants having the capability of risk restriction,and the high or low level of supervisors.With the process of China entering WTO,our financial market will generally be merged into the integrative system of global economy,and the supervision is no exception.Therefore,China's central bank has to face a significant challenge——how to effectively supervise the banking and safeguard the stability of financial cosmos in the new situation