新形势下我国金融监管模式的探讨

2 0世纪 90年代开始 ,区域性金融危机相继爆发 ,促使人们又关注金融体系的安全性及其系统性风险 ,一般倾向认为金融自由化和金融监管放松并不是金融危机爆发的主要原因。到了 90年代后期 ,金融监管理论逐步转向协调风险和效益之间的均衡。与之对应 ,混业经营成为全球金融发展的四大趋势之一。从而混业监管模式也成为一种趋势。反观我国金融监管模式 ,现阶段以分业监管为重点 ,虽然在短期内适应我国分业经营为主的现状 ,但随着承诺WTO期限的到来以及混业经营的萌发 ,我国必然会走向混业监管模式。基于此 ,文章提出了我国金融监管模式改革的设想。

On the Mode of China's Financial Supervision

The regional financial crisis in early 1990s aroused the common concern on the safety and risk of the financial system. It is commonly understood that financial freedom and supervison deregulation are not responsible for the crisis. In late 1990s, the theory of financial supervision began to attach greater importance to the balance between risks and revenures. Hybrid management, one of the four global financial trends, has correspondingly promoted the relative hybrid supervision. In China, the supervision is still built on the present segregated management. Although it suits the current situation, with China's entry into the WTO, China will have no choice but accept the mode of the hybrid supervision. This article probes into the reform of the financial supervision mechanism.