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银行风险与法规滞后目前，个人外汇买卖业务事实上处于无法可依的状态。在实际监管中，无论是人民银行还是外汇局都既未要求银行报送个人实盘外汇买卖的相关报表，也从未组织过对该项业务的专项检查，对银行外汇买卖业务的监管事实上处于半真空状态，滞后的外部监管已难以适应?
Bank risk and laws lag At present, the personal foreign exchange trading business in fact can not be in a state of. In actual supervision, neither the People’s Bank of China nor the State Administration of Foreign Exchange has requested banks to submit relevant reports on the trading of individual firm foreign exchange and has never organized any special inspection of the business. The regulation of the foreign exchange business of banks in fact In a semi-vacuum, lag behind the external regulation has been difficult to adapt?