摘要
金融业的综合经营已成为一种全球性的趋势，在我国也方兴未艾，具体表现为：金融控股集团的出现、综合经营产品逐步增多、金融机构跨领域经营跨度增大、对综合经营限制的松动等。其原因在于增强综合竞争力、客户对综合服务的要求、分散风险和实现规模效应的需要。随着金融综合经营创新步伐的加快，分业监管体制将面临金融法制不健全、监管体系不完善、金融企业综合经营体制有待完善等前所未有的挑战。在现有模式下加强监管是近期的必然选择，因此，应进一步完善金融法律、推行资本充足率为核心内容的监管方式、严格控制关联交易、加强监管机构之间的协调沟通。
Cross-sector operation for the financial industry has become a global trend. It is also a trend that is going strong in China as is demonstrated by the advent of financial holding group companies, increasing varieties of cross-sector products, widening span of business scopes of financial institutions, and liberalization on cross-sector operation. Such a trend is promp- ted by the needs to enhancing comprehensive competitiveness, meeting client＇s demands for full-suite services and the financial services institutions＇ needs of risk spread and scale of economy. Along with the increase of financial cross-sector operation, the current separate-regulation mechanism will be challenged for incomplete financial regulation, imperfect regulatory system and laggard cross-sector operation regulatory mechanism. An inevitable option is to strengthen regulation on the basis of the current regulatory model. Therefore, the regulatory authority should further complete financial legislation, promote a regulatory model centered on capital adequate ratio, tighten regulation and supervision on related party transactions, and improve communication between regulatory bodies.
出处
《保险研究》
CSSCI
北大核心
2006年第7期43-45,共3页
Insurance Studies
关键词
金融监管
综合经营
分业监管
financial regulation
cross-sector operation
separate regulation
