论分业经营向混业经营转变过程中我国金融监管模式的过渡-金融学专业论文.docxVIP

内容提要内容提要 内容提要 内容提要 20世纪80年代，特别是90年代以来，为应对全球性的金融混业浪潮，实现有 效的金融监管，越来越多的国家根据本国混业经营的发展形势，不断调整本国金 融监管模式，向统一监管迈进。可以说，混业经营的推进是决定金融监管改革进 程的决定性因素之一，但是从各国的实践来看，有的国家建立了职责涵盖所有金 融领域的统一监管机构，有的国家将两个主要的监管机构合并，如逐步实现银行 与保险、或者银行与证券之间的监管统一，有的国家则是在保持传统的分业监管 格局不变的前提下，对监管方式进行了适当的调整。可见，没有充分的证据表明 哪种金融监管模式一定是最优的，应该根据本国的实际情况选择适合的金融监管 模式。 近年来，我国混业经营趋势也越来越明显，业务交叉经营、金融控股公司的 成立、外资金融机构涌入等多方面的发展与创新使我国的分业监管模式面临着前 所未有的挑战。1998年确立的“分业经营、分业监管”模式已有向“混业经营、 混业监管”过渡的迹象，我国的金融监管必须对不断出现的问题，包括法律的限 制、金融机构经营行为的不规范，以及监管自身的缺陷给予系统性的解决。但是 我国实行“混业经营、混业监管的条件还不够成熟，建立统一监管模式尚无必 要，因此我国有必要在维持分业经营、分业监管的基础上，根据我国金融业渐进 发展的实际特点，借鉴别国经验，采取相关改进措施实现分业经营向混业经营转 变过程中金融监管模式的过渡。 关键词：混业经营分业监管统一监管过渡 AbstractIn Abstract In response to the global trend of financial integration since 1 980s，especially 1 990s，and aiming at an effective financial supervision，a growing number of countries have been adjusting their framework of financial supervision and heading to the ultimate goal of centralized regulation according to tlleir pace of financial integration． To some extent，the ever outstanding financial integration is one of the fundamentals to the reform of financial supervision．Some countries established a centralized supervisor which嬲SUID_es the responsibilities of supervising a11 the financial institutions while others gradually integrated two supervisors in major fields such as banking with insurance or with securities．There are also countries which made several changes to the way of supervision while maintaining the present framework of separated supervision．It is evident that there is no such‘the best way of financial supervision’．Wb should choose the framework of financial supervision that best suits US according to our own situation． In recent years，the trend of financial integration has becoming more and more evident．Crossing bUSiness activities，financial conglomeration,flocking foreign institutions，together with other financial development and innovation are posing unprecedented challenges to OUr present framework of financial supervisi