对我国金融业经营模式及监管体制的法律思考.doc

对我国金融业经营模式及监管体制的法律思考.doc对我国金融业经营模式及监管体制的法律思考
内容摘要:混业经营成为国际性的趋势, 金融监管体制各国不一。目前我国采取分业经营分业监管的模式,但混业经营已客观存在,三会一行的监管体制又存在诸多问题。本文将着重分析随着金融开放的进一步加快,国际、国内金融混业的经营现实与趋势对我国金融监管体制的挑战及应对策略。结合我国的实际情况,建议渐进式地完成向混业经营的过渡,适应经济一体化的要求和金融创新的需求,同时完善相应的立法和金融监管体制。
关键词:混业经营分业经营金融监管
Legal Issues of the Operational Modes and Regulatory System in the Finance Industry in China
Abstract:Mixed operation has bee a trend internationally and the financial regulatory systems tend to vary in different countries. At present, China has adopted the modes of divided operation and divided supervision but ixed operation .In fact, there are many problems in our regulatory system ents supervising the banks”. s in China has faced the challenges brought by the reality and the trends of financial mixed operation both at home and abroad. This article focuses on analyzing the the above issues and the corresponding strategies . In viestances in China, it suggests that mixed operation can only be achieved gradually, conforming to the requirements of economic integration and innovation in the field of finance .It’s also argued that the relevant legislation and financial regulatory system need to be improved.
Key. 混业并非无序的混乱,有其内在的规律。实现金融混业经营需要的一个最基本的条件是金融监管能力较强,有完备的金融监管法律体系和较高的金融监管效率。而目前我国国有商业银行改革还没有完成,商业银行的内控制度还不完善,自我约束能力较差;我国金融分业监管体制才建立不久,法律法规不够健全,金融监管体系不完备,混业经营所需要的优秀的复合型监管人才十分缺乏。现就混业趋势下我国金融业经营模式和监管制度的健全提出几点建议。
(一)经营模式
在外资金融机构全面进入我国市场,广泛开展