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2003年12月27日第十届全国人民代表大会常务委员会第六次会议通过《中华人民共和国银行业监督管理法》(下称《银监法》),标志着我国分业监管的金融监管体制进入了一个崭新的历史时期。银监会体制的成本上世纪90年代初,国内的商业银行既经营表内业务又通过投资入股于信托投资公司、证券公司等金融机构,金融监管部门大致按业务口径实施管理,金融业基本上是一个向“混业”靠近的格局。银监会挂牌以前,中国人民银行内部设有专局对银行业进行监管,监管的专业化并不亚于现行的银监会体制,但央行从属于中央政府的法律地位决定央行要满足政府的效用目标就难以按照市场需要对商业银行实施监管,监管效率低下
On December 27, 2003, the Sixth Meeting of the Standing Committee of the Tenth National People’s Congress passed the Law of the People’s Republic of China on Banking Supervision and Management (hereinafter referred to as the “Banking and Banking Law”), marking the financial regulatory system under the separate supervision of our country Into a brand new historical period. The cost of the CBRC system In the early 90s of last century, domestic commercial banks not only operated the business within the table, but also invested in the trust investment companies and securities companies and other financial institutions. The financial regulatory authorities generally implemented the management according to their business caliber. The financial industry is basically a Close to the pattern of “mixed business ”. Prior to the listing of the CBRC, the PBC had special sub-offices for supervising and supervising the banking industry. Regulation was no less than the current CBRC system. However, the central bank’s subordination of the central bank’s legal status to the decision of the central bank to meet the government’s utility targets is difficult In accordance with the needs of the market for the implementation of supervision of commercial banks, supervision is inefficient