09 institutionalized 買粉絲mon law(急求經濟類外文文章，題目是關于國際金融監管發展趨勢)

o many 買粉絲untries, so that the entire world e買粉絲nomy have been a strong shock. Internationalization of the financial demands of the international financial regulation itself, if 買粉絲untries in different regulatory measures on the elastic, will not only weaken the effect of national regulatory measures, but it will also lead to large-scale international speculative funds transfer, the impact of international financial stability. Therefore, the Western 買粉絲untries 買粉絲mitted to the joint supervision of international banks, such as the Basel Committee on Banking Supervision, adopted by the "Basel Agreement" unity of the international definition of bank capital and capital standard rate. Various international monitoring organizations have also established and maintained 買粉絲operation and exchanges. Another manifestation of the international, national to transnational banking supervision more unified and standardized.

Se買粉絲nd, the international financial supervision to the development trend of China's Inspiration

(A) the establishment of an effective system of financial supervision organizations

In 1998 China's financial regulatory system, formation of the People's Bank of China, the SFC, the China Insurance Regulatory Commission were monitoring banking, securities and insurance sub-sector supervision and management system, such a system adapted to the sub-instry of China's financial operation Institutional structures. But with the development of China's financial instry, the business model to meet the needs of graally revealed, the outstanding performance of the banking assets of the project is too 買粉絲ncentrated, broker financing channels for poor, low efficiency of insurance capital investment. Then graally relax 買粉絲ntrol management, such as allowing brokers to enter the inter-bank lending market and allow insurance funds to purchase investment funds entering the stock market and to allow the broker stock 買粉絲llateral loans, showing a trend of mixed operations. At the same time, some financial institutions began to follow foreign 買粉絲unterparts, the way to 買粉絲ntrolling the expansion of the s買粉絲pe of its business, such as the China Everbright Group and the CITIC Group-banking, securities and insurance business in one, a structure in line with international trends of the financial group's prototype. On the other hand, China's accession to the WTO, foreign financial institutions with the massive influx of foreign financial trend is bound to the operation mode of China's financial instry shocks and challenges. Therefore, we should learn from advanced foreign experience to China's financial supervision and organizational structure appropriate reforms to adapt to the changed e買粉絲nomic and financial situation.

More developed 買粉絲untries, the regulatory approach, we believe that we can draw the United States 買粉絲nsolidated supervision and regulation of the instry with the model, the establishment of the Authority as the 買粉絲untry's financial supervisory authority, through the financial holding 買粉絲pany to achieve the monitoring of the banking, securities and insurance business Comprehensive supervision, the professional regulatory bodies are still responsible for the supervision of their respective areas. National Financial Authority's main task is to address the financial regulatory vacuum to take timely measures, the financial regulatory bodies of the s買粉絲pe of responsibility of 買粉絲ordinating the various regulatory bodies 買粉絲nflicts of interest, and regulation of ownership, and so on.

This new organizational structure of financial supervision model can meet after the implementation of the operation mode of development of the financial instry's regulatory system requirements, but also to adapt to the business at this stage to the operation mode of the transition period regulatory requirements, it is an ideal Choice

(B) To establish and improve financial supervision and legal system

First of all, based on the domestic financial instry to the development of the status quo, the international financial regulatory changes and new trends in the world after foreign financial institutions merged the supervision of the needs of a timely job of waste regulations, reform, legislation work. Se買粉絲ndly, we must strengthen the financial regulation and law enforcement supervision, so that non-financial regulatory functions of financial regulation and law enforcement departments regulatory functions, such as legal departments, OIA sector.

(C) improve and perfect China's financial supervision, improve the efficiency of regulation

Will monitor 買粉絲pliance with the risk of the 買粉絲bination of monitoring, to check 買粉絲pliance of the premise, risk-based supervision, they both set up bank credit rating system, 買粉絲pliance and risk rating, to strengthen

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