2018年下半年以来，一场由“办”到“局”的地方金融监管体制改革正在稳步进行。由“办”到“局”，不只是名称的改变，更是央地金融监管体系的深刻变革。目前，破解地方金融监管困局、完善地方金融监管体系的步伐正从设立地方金融监督管理局开始。瞭望远方，地方金融监管要在立足目前地方金融监督管理事权“7+4”格局的基础上，基于历史逻辑和现实需求，在法治化和制度化的轨道上合理划分中央和地方监管事权，明确地方金融监管目标导向和监管机构定位，积极运用监管科技，充分发挥自律监管的作用，构建地方金融监管制度体系。
Since the second half of 2018，a comprehensive local financial regulatory regime reform has been steadily advancing. From “office” to “bureau”，it is not just the change of name，but the adjustment of financial supervision functions. The establishment of the local financial supervision bureau is a starting point for cracking the local financial supervision dilemma. Looking into the future，the construction of new local financial regulatory regime should base on the current “7+4” pattern of local financial regulation rights，historical logic and actual needs of local financial regulation，rationally divide central and local government’s regulatory powers on the way of legal and institutionalization，clear the position and target of local financial supervision institutions，and active the role of RegTech and self-regulation organasations.
