混业经营发展趋势与我国金融监管模式法律定位的调整

目前我国金融业已表现出渐进混业经营的发展趋势，而我国现行金融监管模式却处于“一行三会”完全分业监管法律定位阶段，金融监管模式的法律定位较金融业的发展已有所滞后。我国必须从金融业的经营现状出发，根据稳定性与连续性的要求，对现有金融监管模式法律定位进行渐进式的变革，最终完成从多元监管模式向一元监管模式的法律定位的平稳过渡，以继续维持我国金融业总体秩序的稳定，保障金融安全。

The Development Trend of Mix Business Operation and the Adjusting of Law Orientation of Financial Regulatory Mode in Chinese

The advance gradually mix business operation mode is the development trend in today＇ s Chinese financial industry. But the current regulatory mode in Chinese financial industry is still on the law orientation with fully divided supervision, namely ＂one central bank, three committees - CBRC, CSRC, CIRC＂, which has not accommodated the development of financial industry. We need to follow the development of financial industry and the requirement of stability and conti- nuity to improve current law orientation of financial regulatory mode step by step. Finally, China shall complete the law orientation transformation from diversification to unifying to keep the stabilization and safety of the Chinese financial in- dustry system.