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金融是现代市场经济的核心,金融秩序的好坏直接关系到国民经济能否稳定健康的发展。近年来在世界范围内,金融危机事件频繁发生,它已引起世界各国政府的高度关注。以银行为主体的金融业必须是受监管最严厉的行业,而金融监管的实施则需依赖金融监管法律。我国金融监管的法律建设自中国人民银行设立到如今已经历了五十年的风风雨雨。由于我国是从计划经济体制转型为社会主义市场经济体制的,因此我国的金融监管法律也是具有中国特色的。现就经济体制改革人民银行专门行使中央银行职能以来,我国金融监管法制的现状、存在的问题和亟须采取的措施作一初步的梳理和探究,借此希望能为具体从事中央银行监管工作的同仁们提供一点实践经验。一、具有中国特色的金融监管法初步框架业已建立金融监管必须依法进行。金融监管机关的设立、监管职权的取得和行使都依赖于金融法律。离开了金融法律,不仅各种金融机构的行为失去了规范、约束、指引和保障,而且
Finance is the core of a modern market economy. The quality of the financial order is directly related to the stable and healthy development of the national economy. In recent years, the financial crisis has occurred frequently in the world and it has aroused the great concern of all the governments in the world. The banking-based financial industry must be the most regulated sector, while the implementation of financial regulation depends on the financial regulatory law. The legal construction of China’s financial supervision has now gone through 50 years of ups and downs since the establishment of the People’s Bank of China. Since China is transforming from a planned economy to a socialist market economy, our country’s financial regulatory law also has Chinese characteristics. Now that economic system reforming the PBC’s exclusive exercise of the functions of the Central Bank, the status quo and existing problems of the legal system of financial supervision in our country and the measures that are urgently needed to be taken are tentatively sorted out and explored. With this in mind, we hope that for the specific supervision of the Central Bank My colleagues provide a little practical experience. First, the initial framework of the Financial Supervision Law with Chinese characteristics The establishment of financial supervision must be conducted according to law. The establishment of financial regulatory authorities and the acquisition and exercise of regulatory powers depend on financial laws. Leaving financial laws, not only the behavior of various financial institutions has lost norms, constraints, guidelines and guarantees, and