金融监管机制改革与完善的新审视

由于我国实行银行业、保险业、证券业分业经营，目前的监管机构“一行三会”也主要建立在分业经营基础上，金融风暴的出现以及国内金融混业经营的趋势使我们不得不重新审视我国现行的金融监管机制，混业经营以及金融业不断发展的国际趋势使我们不得不反思我国现行金融监管机制的缺陷及未来可能产生的风险，并进一步思考对现行金融监管机制进行改革和完善的建议。

A New Consideration to Reform and Consummation of Financial Supervision Organization

In China, because the banking, insurance and securities industry implement separate operation, the present supervision organization mainly based on sub - industry foundation. With the appearance of financial crisis and the continuous development of the domestic mixed management financial industry, it is necessary to re - examine China＇ s current financial regulatory mechanisms, the operation mode, the current deficiencies in the financial regulatory mechanism and the risks, and further ponder proposals to reform and improve the current financial supervision and management mechanism.