论金融集团主导下的金融监管组织体系设置

On the Organization Structure of Financial Supervision Dominated by Financial Groups

本文针对当今国际金融界混业经营和金融集团主导金融业的格局,提出了金融监管体制如何应对的问题,主要讨论了在组织结构上应如何进行改革。文章回顾了金融监管体制设计原理和应用模式,分析了传统的"部门模式"和"业务模式"在混业经营下的缺陷,提出了新的"目标模式"。文章介绍了世界各国对金融集团监管的主要方法。最后作者的观点是:针对金融集团,金融监管不论如何一体化整合或者进行联合监管,还必须重视金融业务的根本区别。

In view of the pattern of mixedopeation and domination of the financial industry by financial groups in the current international financial world,the paper,raising the question of how financial supervision system responds,mainly discusses on how to reform the organizational structure. Reviewing the design principle of financial supervision system and application approaches,the paper analyses the flaws of the traditional sectoral approach and the functional approach under the management of mixedoperation,and puts forward a new objectivebased approach.The paper also introduces the main methods employed by other countries to supervise financial groups.Finally the author offers his own viewpoint:no matter how integrated or united the supervision on financial groups is, the fundamental difference among financial businesses should be emphasized.