德国金融混业经营及其监管

德国金融制度最大的特点就是一直坚持混业经营制度，而其能够坚持混业经营制度的重要原因在于具备一套高效且适合金融业发展规律的监管制度。德国的金融监管系统，是一个法律和法规相当完备、自我监管和社会监管和政府监管相结合、法律裁决作为终审判决的有机整体；完备的监管体系使其能从容面对各种困难和危机。德国金融业的混业经营特点以及严格的监管体系使其稳步发展，即使在全球发生金融危机时也保持了相对的稳定。

M ixed management of German f inance and its supervision

The most attractive characteristics of German financial institution is its mixed management system and the important reason for its mixed management lies in its highly efficient supervision system that is suitable for the financial development laws. German financial supervision system is an organic entity with complete laws and regulations, being a combination of self- supervision, social supervision and governmental supervision, and with law verdict as final verdict. As a result, complete supervision system enables German financial system to deal with all kinds of crisis successfully. The mixed management mode of German financial system and its strict supervision system makes it develop stably. And even in the global financial crisis, German financial system keeps its relative stability.