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.
Keyixed operation Divided operation Finance supervision
我国加入WTO后,金融业面临着全面对外开放、竞争日趋加剧的局面,在外压和内力的作用下正面临着选择分业或混业的重新选择。金融分业、混业既涉及经营层面又涉及监管层面。就经营层面而言,即金融分业经营与金融混业经营问题,是金融业经营模式的内核;就监管层面而言,即分业监管与统一监管的问题,涉及金融监管体制的选择。结合中国的现实情况,就我国金融业的模式选择与法律建构提出拙见。