中国商业银行综合经营的监管模式

随着全球经济一体化,金融自由化的不断推进,金融业的综合经营已是一种全球性的趋势。虽然分业模式是我国目前的制度选择,但随着政策上对混业经营的放宽,我国银、证、保等金融机构间的合作交流已开始稳步运行,并出现几种符合自身特点带有混业特征的经营模式。因此,我国应及时构建一种有效的金融监管模式,实现金融监管和金融业同步发展,提高金融监管效率。

China commercial bank comprehensive management＇s supervision mode

With the global economic integration,financial liberalization progresses,a comprehensive financial sector has been in operation is a global trend.Although the separation mode is China＇s current systemof choice,but with the relaxation of the policy on universal banking,our silver,card,insurance and otherfinancial inter-agency cooperation and exchanges havebegun to steady running,and the emergence of severalin line with its own characteristics with Mixed features of business model.Therefore,China should construct a timely and effective financial regulatory ap-proach to achieve synchronization of financial regulation and financial sector development and improvingthe efficiency of financial supervision.