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我国传统的金融分业经营、分业监管模式自2004年保险资金直接入市运作坚冰融化之时面临较大冲击,混业经营已显端倪。这为我国金融市场的有效监管提出了紧迫的现实课题。面对混业经营的大势所趋,监管真空使得分业监管显得力不从心抑或成本加大。根据入世承诺,2006年底国内金融市场彻底向外资开放。保险资金运作风险与保险市场竞争强度相伴与日俱增。本文立足这一现实国情,认为我国应当引入发达国家资本市场监管的公开规制理念,建立保险资金直接入市的各监管当局信息共享机制与信息披露制度,尽量降低资金运行风险,提高监管效率。
The traditional financial segregation and separation supervision mode of our country is facing a great challenge when the insuring funds directly enter into the market melts and melts in 2004, and the mixed operation has shown its clue. This poses pressing practical issues for the effective supervision of China’s financial markets. In the face of the general trend of mixed operation, the regulatory vacuum makes the division of supervision appear inadequate or cost increases. According to the WTO commitments, by the end of 2006, the domestic financial markets were completely open to foreign investment. The operation risk of insurance funds and the intensity of competition in the insurance market are increasing day by day. Based on this reality, this paper argues that our country should introduce the concept of open regulation of capital market regulation in developed countries and establish the information sharing mechanism and information disclosure system of all regulatory authorities that directly enter the market with insurance funds so as to minimize the risk of capital operation and improve the efficiency of supervision.