我国金融监管体系存在的问题及完善对策摘要从上个世纪八十年代开始，随着金融趋于全球化的发展，随着计算机技术的更新换代，互联网技术的不断进步，互联网金融开始迅速发展普及起来。而金融监管方式也开始不断地创新，我国现在金融监管中面临的重难点问题就是如何有效的解决在复杂金融环境中进行金融监管、预防和化解金融风险。所以我们要吸取国内外金融监管的优缺点，从各方面加强监管，建立拥有完善金融监管体系的法规体制。要加强金融监管整体水平，监管人员的综合素质至关重要，因此需要提高金融监管人员的专业水平和思想道德素质，减少监管人员贪污腐败。本文主要是讲了我国金融监管体系的建立和发展，阐明金融监管存在的必要性，现在还存在哪些问题以及相关的完善对策。关键词：金融监管体系构建建议1ProblemsinChina'sfinancialsupervisionsystemandCountermeasuresAbstractBeginninginthe1980s,withthedevelopmentoffinancebecomingglobalized,withtheupgradingofcomputertechnology,andthecontinuousadvancementofInternettechnology,Internetfinancebegantorapidlydevelopandbecomepopular.Andfinancialsupervisionmethodshavebeguntoinnovatecontinuously.Themostimportantanddifficultproblemfacingmycountry'sfinancialsupervisionishowtoeffectivelysolvefinancialsupervisioninacomplexfinancialenvironment,andpreventandresolvefinancialrisks.Therefore,wemustabsorbtheadvantagesanddisadvantagesofdomesticandforeignfinancialsupervision,strengthensupervisionfromvariousaspects,andestablishalegalsystemwithasoundfinancialsupervisionsystem.Tostrengthentheoverallleveloffinancialsupervision,thecomprehensivequalityofsupervisorsiscrucial.Therefore,itisnecessarytoimprovetheprofessionalandideologicalandethicalqualitiesoffinancialsupervisorstoreducecorruptionofsupervisors.Thisarticlemainlytalksabouttheestablishmentanddevelopmentofmycountry'sfinancialsupervisionsystem,andclarifiesthenecessityoffinancialsupervision,whatproblemsstillexist,andrelatedperfectcountermeasures.Keywords：FinancialregulationExpectedModelPropose2目录目录1导论.................................................................................................................................................................41.1选题目的及意义....................................................................................................................................41.1.1选题目的.....................................................................................................................................41.1.2选题意义.....................................................................................................................................42中国金融监管体系的建立和发展....................................................................................................................52.1统一监管体系的形成与发展.................................................................................................................52.2分业监管体系的形成与发展.................................................................................................................52.3综合监管体系的形成与发展.................................................................................................................53金融监管的必要性...........................................................................................................................................63.1维护金融体系的安全和稳定...................................................................................................................
