金融混业形势下的监管挑战

Challenges to Financial Supervision under the Trend of Universal Banking

在利率市场化、金融自由化和金融创新的不断推进下,中国金融业已从严格分业向综合经营过渡,不同金融行业业务交叉与跨业融合逐步深化,既有分业(机构)监管体制已难以适应以跨市场、跨机构、跨产品为外部特征的金融混业格局。如何构建一个适应当前金融发展阶段的监管体制框架成为各方日益关注的问题。

The wave of interest rate liberalization and financial innovation has pushed financial business into the era of increasingly universal banking from previous separate model.As the emerging tendency of financial innovation and integration,financial business now has the external features of being cross-market,interagency,and cross product.Therefore,issues have arisen and been discussed about how to establish a framework of supervisory system that can be well adapted to the current stage of financial development.