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2003年以来,金融脱媒进一步加剧,社会融资规模中非信贷类融资(含委托贷款、信托贷款、企业债券、非金融企业境内股票融资)从1660亿元快速增加到6.41万亿元,占社会融资规模的比重从4.9%持续提高至37%。同时,商业银行综合化经营试点取得进展,商业银行理财等非息差类业务规模大幅增长,各类交叉型金融产品加速发展。但机构监管模式和产品监管协调机制没有上升到法律层面。2003年以来,商业银行业务种类、复杂程度和规模、盈利水平大大提高。相比之下,《银行业监督管理法》规定的审慎经营
Since 2003, the financial disintermediation has further intensified. The non-credit financing (including entrusted loans, trust loans, corporate bonds, non-financial corporate equity financing) in the scale of social financing has rapidly increased from 166 billion yuan to 6.41 trillion yuan, accounting for the social The proportion of financing scale continued to increase from 4.9% to 37%. At the same time, progress has been made in the pilot projects of integrated commercial banks, the non-interest-bearing business such as financial management of commercial banks has grown substantially, and various types of cross-linked financial products have been accelerated. However, the institutional supervision and product regulatory coordination mechanism has not risen to the legal level. Since 2003, commercial bank business types, complexity and scale, greatly enhance the level of profitability. In contrast, the “Banking Supervision Law” provides for prudent management