混业经营条件下金融监管效率的比较研究  

Comparative Research on Efficiency of Financial Supervision under Convergence of Financial Services Industry

作　　者：张伟[1] 刘志荣[2] 

机构地区：[1]南京大学商学院,江苏南京210093 [2]江苏省农村信用社联合社,江苏南京210029

出　　处：《华东经济管理》2008年第12期51-55,共5页East China Economic Management

摘　　要：近年来,主要发达国家均放弃了对金融分业经营的严格规定,实行混业经营,金融混业经营浪潮再度掀起。随着各国金融业混业经营趋势的逐渐明显,我国现阶段实行的分业监管模式显然已经缺乏发展的基础。从前瞻的角度看,分业监管模式在防范和化解金融风险、维护金融业有序竞争的监管功能方面面临弱化的处境。因此对目前的中国而言,选择一个适当的金融监管模式,对金融业进行更有效率的监管就显得十分必要。文章正是以混业经营为背景,对美国1999年金融监管模式改革前后的金融监管效率进行了比较分析,希望对我国未来金融监管模式的建立有一定的借鉴意义。Recently, most of the developed countries give up restriction on the separate operation of financial services and lead to the wave convergence of financial services industry. While the trend of convergence in financial business in the world is becoming obvious, the separate regulation mode in current China is now losing its basis for further development. In respect of prevention of financial risks as well as keeping an orderly financial market, the supervisory function of separate mode is becoming weak. Therefore it is necessary for China to select a proper supervisory mode in order to take a more effective supervision on the financial market. This paper is based on the Conver- gence of Financial Services industry. At the same time the article uses the comparative analysis method based on the condition of America to provide some proposes for our regulation mode innovation in the future.

关 键 词：金融混业 金融监管效率 成本有效性分析 

分 类 号：F832.1[经济管理—金融学]