当前我国交叉性金融监管协调机制研究

The Research on Current Cross-coordination Mechanism of Financial Supervision in China

随着金融业的发展,我国金融监管经历了从弱到强,从混业监管到分业监管的演进过程,形成了现阶段"一行三会"的监管格局。目前,金融业竞争空前加剧,金融创新不断深入,综合经营趋势日益明显,跨行业、跨市场金融风险日益突出,对现有监管体制提出了严峻的挑战,如何在现行分业监管法律框架下,整合部门监管优势,建立有效的运作方式,健全监管协调机制,促进我国金融业稳健发展,显得十分迫切。

With the development of the financial industry, China's financial supervision has experienced the evolution process from weak to strong as well as from mixed supervision to separate supervision, and finally formed current regulatory pattern of one central bank and three commissions, that is PBC, CBRC, CSRC and CIRC. At present, unprecedentedly intensified competition of the financial industry, the deepening financial innovation, increasingly obvious trend of comprehensive management and increasingly prominent cross-industry and cross-market financial risk present serious challenges on the existing regulatory system. Therefore, under the legal framework of the current separate supervision, how to integrate the advantages of individual regulatory sectors, establish the effective operation mode, improve the supervision and coordination system and promote the sound development of China's financial industry is extremely urgent.