中国经济网北京10月23日讯 在《金融业发展和改革“十二五”规划》中，提出“十二五”期间金融业发展方向和改革目标，并提出诸多具体措施，对于如何有效落实这些改革举措，对外经济贸易大学公共政策研究所首席研究员苏培科先生认为，金融改革要保证金融渠道畅通，同时要尽快开展金融监管框架的改革。在金融监管框架改革时，建议先打通各部门之间的监管通道，建立统一协调的混业金融监管框架。

China JingJiWang Beijing on October 23 - in[The financial industry development and reform"1025"planning]in,Put forward"1025"During the financial industry development direction and reform goals,And put forward many measures,For how to effectively implement these reform measures,Foreign economic and trade university public policy institute chief researcher SuPeiKe sir think,Financial reform to ensure that financial channels,At the same time as soon as possible to carry out the reform of the financial regulatory framework.In the financial regulatory framework when reform,Suggest that you get through between different departments supervision channel,Built up a unified and coordinated mixed financial regulatory framework.

　　文章中指出，我国目前的分业金融监管已经很难与实体经济发展相适应，要想让实体经济高效快速发展，必须要疏通金融渠道，合理配置金融资源。在金融改革的过程中需要讲策略、有节奏、不冒进，充分做好改革前的一切准备。在国内调理好利率、汇率的市场化环境，可将国有特权垄断的金融企业牌照先向中国民间资本开放，按照“先内后外”的顺序将金融改革逐步向外推进。

According to the article,Our country present the dividing of the financial supervision has been difficult to adapt to development with the entity economy,Want to let the real economy efficient rapid development,Must want to dredge the financial channel,Rational allocation of financial resources.In the process of financial reform need to say the strategy/With rhythm/Not rash advance,Fully well before the reform everything ready.In the domestic recuperation good interest rates/Marketization of exchange rate environment,Can be the monopoly of state-owned privilege of financial enterprise licence first to Chinese folk capital open,According to the"Within the first after"Order to financial reform gradually to the propulsion.

　　同时，文章还指出，金融监管框架也需要改革，如今，金融机构朝着混业化趋势发展，传统的分业监管体制很难应对金融集团的总体风险，交叉性的金融产品让系统性风险进一步扩散。因此，应尽快建立统一的金融混业监管机制。

At the same time,The paper also points out that,Financial regulatory framework also need to reform,now,Financial institutions in mixed development trend,The traditional industries managed and supervised respectively system it is difficult to deal with financial group's overall risk,Crossed financial products make systemic risk further diffusion.therefore,Should establish a unified financial mixed supervision mechanism.

　　在苏培科看来，设立一个为中国金融市场长远发展的战略协调管理部门非常必要。这个部门可以防止部门利益下的短期化，逐渐杜绝金融部门的权力寻租。同时，还可以系统研究成熟市场的金融危机，吸取各国的经验和教训，需要注意的是，对于这个部门的职能苏培科提出明确界定，即：不能拥有行政审批职能，只能协调、监督各金融监管部门，负责国家金融安全和制定金融战略，并负责跨境金融监管。现阶段若对于设置这样一个“超监管”的权利部门有所顾虑，苏培科建议，可先将分业监管调整为统一的分类监管，按金融产品的属性来划分监管范围，这样就可以避免同质产品的不同监管导致风险防范不一。

In SuPeiKe seems,Set up a for China's financial market long-term development strategy coordinated management department is very necessary.The department can prevent the departmental benefit a lot,Gradually put an end to the financial departments power rent-seeking.At the same time,The system can also study the mature markets of the financial crisis,The experiences and lessons from all countries,Need to pay attention to is,To the department SuPeiKe function put forward clearly define,namely:Can't have function of administrative examination and approval,Can coordinate/The financial supervision and regulation department,Responsible for the state's financial security and formulate financial strategy,And is responsible for the cross-border financial supervision.If at this stage to set such a"Super supervision"Rights department have scruples,SuPeiKe Suggestions,First the supervised respectively can be adjusted for the classification of unified supervision,According to the financial product attributes to differentiate regulatory scope,This will avoid homogeneous product different regulatory lead to different risk prevention.

原文地址： Original address:

　　http://blog.sina.com.cn/s/blog_475f4e330102e73a.html

http://blog.sina.com.cn/s/blog_475f4e330102e73a.html

作者介绍： The author introduces:

　　苏培科，对外经济贸易大学公共政策研究所首席研究员；CCTV证券资讯频道财经评论员。

SuPeiKe,Foreign economic and trade university public policy institute chief researcher;CCTV securities information channel financial commentators.