本文结合近年来国际、国内的经济形势，重点分析了我国金融监管体系中存在的若干问题，并分别提出了改进措施和政策建议。我们关注的问题和建议主要包括：进一步完善影子银行体系的监管，适应影子银行的蓬勃发展；完善信托业监管，为信托业健康发展创造良好环境；规范民间融资法律法规，弥补民间融资监管的漏洞；健全金融机构市场化退出的法律规则，有效处置和妥善安排问题金融机构；明确政策性金融机构的法律地位，建立与商业性金融机构差异化的监管标准；构建金融安全网防御机制，建立存款保险制度。此外，金融监管体系还要进一步调整，以配合金融业综合经营试点的开展。
On the basis of the economic situation inside and outside of China in recent years, this review analyzes several problems in China's financial supervision system and gives improvement measures and policy recommendations. We are mainly concerned with the following problems:Further improving the shadow banking system supervision, with the rapid growth of shadow banks; improving the regulation of the trust industry, creating a favorable environment for the healthy development of the trust industry; Specifying laws and regulations to regulate private financing; Establishing a reasonable withdraw mechanism for the troubled-financial institutions; Clarifying legal status of policy financial institutions and establishing regulatory standards which distinguish policy financial institutions from commercial financial institutions sharply; Constructing a defense mechanism of financial safety net and establishing a deposit insurance system. In addition, with the expansion of full-service financial services provider pilots, financial supervision system needs further adjustment.
