关于加强我国金融监管问题的若干思考

The Discussion on Chinese Financial Regulation

近来 ,关于如何加强我国金融监管问题的探讨较多。笔者认为以下四个问题非常值得思考 ,即 :中央银行货币政策与金融监管的兼容与分离 ,专门机构集中监管与分设机构分业监管 ,保护债权人权益与维护金融稳定 ,非现场监测与现场检查。对此 ,笔者的观点是 :中央银行货币政策与金融监管应该分离 ,应该设立中国金融监管委员会实施集中统一监管 ;尽快建立我国的存款保险制度 ;强化非现场监测的监管。

Recently, many points about Chinese financial regulation have been putting forward to us. However, such four problems need to be studied further. These four problems are as follows: should the Central Bank gather the monetary policy maker and the financial regulation? Does the single institution and centralized regulation advantage over the special institution and individual regulation? Which is the most important thing between protecting creditor's rights and keeping steady finance? Which is the most effective measure to operate the financial regulation? In accordance with those problems, this article points out some suggestion. They are: The monetary policy maker and the financial regulation should be separated; The government should set up a special institution in order to operate the centralized regulation; The Deposit Insurance System should be built as soon as possible;Strengthen the remote-monitoring system.