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作为市场化经济金融制度变迁的重要组成部分,我国金融监管制度也经历了一个供给主导的渐进式变迁过程。目前虽然已经建立了分业监管组织构架,但是金融环境的演进和金融产品的创新,又对监管体制提出了新的制度需求。而制度供给相对不足,使金融监管处于非均衡状态,许多新的矛盾和冲突也就不可避免。本文作者从剖析我国金融行业风险的内生性因素入手,提出了改变目前金融监管失衡的几点思路。
As an important part of the changes in the market-oriented economic and financial system, China’s financial regulatory system has undergone a supply-led gradual change process. Although the structure of the branch supervisory organization has been established at present, the evolution of the financial environment and the innovation of financial products have put forward new institutional requirements for the regulatory system. The relative lack of institutional supply, the financial regulation in a non-equilibrium state, many new conflicts and conflicts will inevitable. The author starts with the analysis of the endogenous factors of the financial industry risk in our country and puts forward some ideas to change the current imbalance of the financial regulation.