金融集团的法律监管研究

金融业融合化趋势的发展使得同时经营银行、证券、保险业务的金融集团大量涌现 ,传统的金融监管的方式、方法与手段已难以适应对金融集团的监管需要 ,需要从整体衡量金融集团的资本充足性 ,加强管理人员的适宜性监管 ,建立监管者信息分享制度和协调员制度等方面加强监管。从长远看 ,金融业的融合化、集团化应为我国金融业发展的目标 ,这需要在依法推行的前提下 ,逐步试点稳妥推进。

A Study of Legal Supervision over Bodies of Finance

The tendency of amalgamation among bodies of finance gives rise to emergence of a large number of companies engaging in various financial businesses such as banking, securities, and insurance. As a result the traditional system of financial supervision can no longer function well. New means of supervision must be worked out to measure sufficiency of capital, train managerial personnel to carry out proper supervision, establish information database to which supervision personnel should have access, and to strengthen coordination mechanism. The author holds that in the long run amalgamation of finance points to the direction of development in finance in China. Therefore, efforts have to be made to encourage steady progress in this area under strict supervision of legal process.