金融监管：“拆”还是“合” 金融监管体制改革两起两落的历史回顾

An evaluation of the major reforms of the financial regulatory system

金融监管改革进入倒计时2015年11月3日,习近平总书记就《中共中央关于制定国民经济和社会发展第十三个五年规划的建议》起草的有关情况,向中共十八届五中全会作说明。习近平总书记指出,要坚持市场化改革方向,加快建立符合现代金融特点、统筹协调监管、有力有效的现代金融监管框架,

In 1983, the People's Bank of China(PBC) began to function as the central bank of China and took charge of regulating financial institutions independently. This was then replaced by the 'One Bank and Three Commissions' system, in which the PBC, China Banking Regulatory Commission(PBRC), China Securities Regulatory Commission(CSRC) and China Insurance Regulatory Commission(CIRC) are corporately responsible for managing the financial sector. In 1998, the PBC abolished all provincial and local branches and opened nine regional branches. In 2003, the PBRC was set up to regulate the banking sector of the PRC. In order to summarize experience, the article focuses on evaluating the relevant reforms.