我国金融监管体系存在的问题及完善对策ProblemsandPerfectCountermeasuresExistinginChina'sFinancialSupervisionSystem摘要随着世界经济全球化和经济一体化进程的加快，各国政府与金融理论界对金融监管体系的研究日益深入。我国社会经济的稳固发展受金融行业健康发展的直接干预,但金融行业的健康良性发展是由于金融监管体系的保障，可以防范各种问题，有效的预防金融风险的发生，降低我国金融危机发生的可能性。如今，我国经济发展迅速，金融业也逐渐对外开放，在市场经济条件下，我国的金融监管体系还存在许多缺陷，金融监管开始晚，发展缓慢，发展阶段不够成熟等。目前，我国的金融监管体系已经基本形成，但当前的监管体系还存在不少问题。从当前金融监管的研究背景出发，通过对我国金融监管体系发展现状的探究，并就目前存在的一系列问题进行了剖析。如：法律法规不健全、监管模式存在不合理、监管人员专业化程度低以及监管部门之间缺乏沟通和协作等等。针对这些问题,提出了完善相应法律法规、改革金融监管模式、提高监管人员专业性、建立有效的金融监管协作机制等切实可行的对策。关键词：金融监管体系；存在问题；对策ProblemsexistinginChina'sfinancialsupervisionsystemanditsperfectcountermeasuresAbstractAseconomicglobalizationandintegrationcontinuetointensify,governmentsandfinancialtheoryarealreadyincreasinglyfocusingondevelopingthefinancialsurveillancemanagementsystem.ThesoliddevelopmentofChina'ssocialeconomy,thehealthydevelopmentofthefinancialindustry,throughdirectintervention,butthesoundandhealthydevelopmentofthefinancialindustry,preventallkindsofproblems,effectivelypreventtheemergenceoffinancialrisks,thepossibilityofChina'sfinancialcrisis.Nowadays,China'seconomicdevelopmentisdevelopingrapidly,thefinancialindustryisalsograduallyopeningtotheoutsideworld,undertheconditionofmarketeconomy,China'sfinancialsupervisionsystemisnotperfect.Financialregulationstartedlate,thedevelopmentisslow,andthedevelopmentstageisnotmatureenough.Atpresent,China'sfinancialsupervisionsystemhasbeenbasicallyformed,buttherearestillmanyproblemsinthecurrentsupervisionsystem.StartingfromtheresearchbackgroundofthecurrentfinancialsupervisionexploresthedevelopmentstatusofChina'sfinancialsupervisionsystem,andanalyzesaseriesofexistingproblems.Forexample,imperfectlawsandregulations,unreasonablesupervisionmode,lowspecializationofregulatorypersonnel,lackofcommunicationandcooperationbetweenregulatoryauthorities,andsoon.Toaddresstheseissues,putforwardtoimprovecorrespondinglawsandregulations,reformingfinancialsupervisionmode,improvingtheprofessionalismofsupervisorsandestablishingeffectivefinancialsupervisioncooperationmechanism.KeyWords：FinancialRegulatorySystem；ExistingProblem；Countermeasures目录摘要----------------------------------------------------------------------------------------------------IAbstract-------------------------------------------------------------------------------------------------II一、引言------------------------------------------------------------------------------------------------1（一）研究背景---------------------------------------------------------------------------------1（二）研究目的与意义------------------------------------------------------------------------11.研究目的----------------------------------------------------------------------------------12.研究意义----------------------------------------------------------------------------------1（三）研究思路与研究内容------------------------------------------------------------------2（四）研究方法与拟创新之...
