新常态下我国金融监管问题探讨

Discussion on the Problems of Chinese Financial Supervision in the New Normal

金融监管模式的正确选择是金融业稳健发展的关键。当前我国金融监管在金融混业经营的新常态下依然奉行"一行三会"分业监管的模式,不断暴露出监管的空白、重复以及监管效率低下等问题。为了解决这些问题,在借鉴外国经验的基础上,监管模式应由分业监管转向混业监管,从而监管方式应由微观审慎监管转向微观与宏观结合审慎监管,监管手段应由以行政手段为主转向以市场手段为主。

Proper choice of the financial regulation pattern is the key to the solid development of financial industry. Currently,under the conglomerated financial operations,Chinese financial regulation still implements separate supervision model of ＂ Onebank and threecommissions＂,which constantly exposes the regulation of blank,repetition and inefficiency so on. To solve these problems,we should absorb international advanced experience,make the supervision mode by the separated supervision to integrated supervision; the supervision method from micro prudential supervision to combine micro and macro prudential supervision; the regulatory means by administrative means to market means.