金融监管一体化模式：德国的经验与启示

近年来，金融监管一体化模式逐渐成为了一些重要国家金融监管体制变革的选择，其中包括曾以全能银行模式与分业监管并行闻名于世的德国。德国的一体化监管模式变革，既有与英国等国模式的共性，也在组织架构、权力安排，特别是一体化监管机构与央行的关系上，显示出其独特性。一体化模式变革适应了金融各业边界越来越模糊的客观需要，提升了德国金融业竞争力。对处于变革中的中国金融监管体制而言，德国一体化模式的引入与运作具有启示意义。

Integrated Supervision Model of Financial Service:German's Experience and Enlightenment

Recently,many countries having adopted integrated supervision model of financial services.Among these countries,Germany,who was famous for his universal banks and separated supervision.Germany's integrated supervision has its distinctive in the structure arrangement and the right plan,especially in the relations between central bank and the integrated supervision agency.The integrated model reform is suitable for the demand which the financing industry's bound is more and more fuzzy and prompt the financing industry's competence ability of Germany.Germany's model has some enlightenment for our country's financial regulation system transformation.