建立我国现代金融监管体系的法制思考

我国金融业市场化、国际化、电子化的发展已成必然，与此相适应，金融监管也必须加强。完善的现代金融监管体系是加强金融监管的基础和保障，该体系具有监管机构的统一性、监管手段的完备性、监管法制的协调性和监管理念的国际性等特征。建立我国的现代金融监管体系应该完善我国的金融监管法制。我国虽然制定了《人民银行法》等法律及一些相关的法规，但有些已经不能适应我国加入WTO及市场经济发展的需要，也不足以构成建立现代金融监管体系的法制基础。因而必须进一步修改、完善和制定相关金融法律法规，以构建我国的现代金融监管体系。

The Legal Reflection on Establishing the ModernFinancial Supervision System in China

The marketization, internalization and electronization of financial industry in China are inevitable. Adapted to this situation, the financial supervision has to be strengthened. The modern financial supervision system is the base and guarantee to strengthen the financial supervision; it has the character of unity of supervision organization, perfect instrument of supervision, harmonization of supervision legality and internalization of supervision thought etc. Establishing the modern financial supervision of China should consummate the financial supervision legal institutions in China. Although the laws were constituted, such as and some related regulations, yet cannot conform to the WTO rules and the market economy development and be not enough to structure the legal institution base of the modern financial supervision in China. As a result, it has to be revised further, improved and to work out financial laws and regulations in order to form a modern financial supervision system in our country.