■本报记者 李鹏 深圳报道

S our reporter li in shenzhen

　　全国两会期间，借着大部制改革之势，金融大部制改革以代表议案、委员提案、新闻舆论等多种方式传扬开来。3月11日，中央机构编制委员会办公室副主任王峰在两会新闻发布会上就此做出了直接回应。

The country during the two sessions,Through the super-ministries reform,Financial to represent the super-ministries reform bill/Member of the proposal/The news media a variety of ways such as spread.On March 11,,Deputy director of the agency and staffing committee office of the central wang feng in CPPCC press conference made directly to the comment.

　　王峰表示，现在金融行业基本上还是实行分业监管，金融混业监管是一个发展趋势。事实上，这也是金融大部制改革呼声的根本由来。但他同时表示，“金融大部制改革，问题很复杂，作为改革研究者，我们自己都拿不准”。“拿不准，怎么办？就得稳一稳、看一看，看准了再动这块。究竟怎么动，要有一个研究和实践过程。”

Mr Wang said,Shall be adopted by financial industry basically now or regulation,Financial mixed regulation is a development trend.In fact,,This is also the underlying reasons of financial the super-ministries reform calls for.But he also says,"Finance the super-ministries reform,It's a very complicated question,As the reform of researchers,We are not sure yourself"."Not sure,What to do?Have to stabilizing a steady/Take a look at,To touch the target.What move,To have a study and practice process."

　　“这说明金融大部制改革不是空穴来风，而是已进入中编办的议事日程。在我看来，未来5年也就是本届政府任期内，金融大部制改革会有实质性动作。”近日，一位接近中央财经工作领导小组办公室的全国政协委员在接受本报记者电话采访时如此表示。

"That means financial the super-ministries reform is not unfounded,But has entered the ZhongBianBan agenda.In my opinion,Is this government's tenure in the next five years,Will have substantial financial the super-ministries reform movement."In recent days,A person close to the central financial and economic work leading group office of the CPPCC national committee in a telephone interview with our reporter said.

协调难题愈发明显 Coordination problem becomes increasingly visible

　　目前的金融领域中，从利率、汇率市场化，到扩大直接融资规模、推进综合经营，都需要监管部门的推动，甚至是主导。而现行的是“一行三会”体制，即央行专注于货币政策的制定和实施，银监会与证监会、保监会一起，构成了覆盖银行、证券、保险等三大领域的监管体系。

In the financial field,From the interest rate/Marketization of exchange rate,To expand the scale of direct financing/The management in a comprehensive way,Requires regulatory push,Even is the dominant.The current is"A line of three will be"system,The central bank focused on the formulation and implementation of monetary policy,The CBRC and the CSRC/Circ together,Constitute the cover bank/securities/In the field of insurance and so on three big regulatory system.

　　“经过多年努力，基本建立了彼此间的信息共享和政策协调机制。”央行研究局一位资深研究员在接受本报记者采访时表示，站在央行的角度看，包括借鉴国际先进监管经验，现存问题是中国人民银行制定货币政策独立性有限，尤其利率，是多部门博弈和协调，例如汇率政策与商务部的协调，和其他宏观经济部门尤其是三会的协调的难度也不小。

"After years of effort,Basic information sharing between each other is set up and the policy coordination mechanism."Central bank research, a senior researcher in an interview with our reporter said,Standing in the central bank's point of view,Including reference to the international advanced supervision experience,The existing problem is the people's bank of China monetary policy independence is limited,In particular interest rate,Is more game and coordination department,Such as currency policy and coordination of the ministry of commerce,And other macro economic sector, especially the three coordination of difficulty is not small.

　　为解决协调难题，“一行三会”之间早前以部际联席会议制度的形式建立了金融监管协调机制，中央财经工作领导小组也增强了协调职责。但“至今尚未建立起长期有效的跨部门协调机构”，上述央行研究局研究员表示。

To solve coordination problems,"A line of three will be"Earlier in the form of the joint inter-ministerial meeting system between financial supervision coordination mechanism is established,The central financial and economic work leading group also enhanced coordination duties.but"Has yet to establish a long-term effective inter-departmental coordinating mechanism",The central bank research said.

　　深圳大学金融学教授国世平在接受记者采访时表示，一行三会体制的好处是专业化和针对性比较强。但“随着资本市场发展，其不足也越来越清晰，比如目前发展很快的综合类业务，并不是一家机构能够监管的。招商、华夏等金融控股公司内不仅有证券，还有保险、信托、银行，现有监管对其却是分开的，监管机构之间监管标准也不统一，信息交流也有力不从心之时。”

Shenzhen university, a professor of finance at the world in an interview with reporters said,A line of three will system are the benefits of specialization and the pertinence is stronger.but"With the development of capital market,Its insufficiency is becoming more and more clear,Such as the development of comprehensive business soon,Is not an institution to regulation.China merchants/Wait inside the financial holding companies not only have Chinese securities,And insurance/The trust/The bank,For its existing regulation is separate,Regulators between regulatory standards are not unified,Communication also has run out of puff."

　　从金融企业的角度看，这种协调难题是另一番滋味。在民建中央提交的一份提案中，银行业提出，目前的金融监管有过度重复也有空白。对有些企业来说可能存在监管过度和重复监管，而对有些企业来说则是监管空白。当前金融行业综合经营的趋势已经不可逆转。

From the perspective of financial enterprises,This coordination problem is another taste.In the middle of the committee submitted a proposal,Banking industry,The current financial supervision have excessive repetition and blank.For some businesses may exist excessive regulation and regulation of repetition,While for some businesses is regulatory gaps.The current financial industry comprehensive management has been an irreversible trend.

　相关立法可先行 Legislation can be first

　　在往年的两会上，尚有类似“提高央行地位，由其协调三会”的建议。在今年两会上，这种建议几乎绝迹。趋于一致的是，强化金融改革顶层设计，建立国务院领导下的统一金融监管行政协调机构，将目前各个金融监管机构统一联系起来，共同制定金融和资本市场运行中的各项规则。

In the previous two sessions,There are similar"Improve the bank status,By its three will coordinate"The advice of.On the two sessions this year,This advice almost extinct.Tend to be more consistent,Strengthen the financial reform of the top-level design,Establish the unified financial supervision under the leadership of the administrative coordination mechanism,Link has all financial regulators unified,To establish rules of financial and capital market operation.

　　多次参与高层政策咨询的国世平认为，规则梳理与制定过程中还应强化政策的合力，提高效力和严肃性。“应避免各部委站在各自角度来研究、考虑问题和出台政策。之前出台的一些金融政策在执行上协调的效果不佳，甚至会出现抵触现象，给企业和社会带来很多困扰。”

Many times to participate in the high-level policy consulting is the kingdom of the world thinks,Carding and should also be strengthen in the process of policy rules of the resultant force,Improve the effectiveness and seriousness."Should avoid ministries stood in their point of view to study/Think about problems and policies.Some financial policy on the execution of law by coordinating the effect not beautiful,Can appear even resistance phenomenon,Brings to the enterprise and society a lot of trouble."

　　全国政协委员、招商银行(600036,股吧)行长马蔚华提议，应修改金融业分业监管体制的《商业银行法》。他认为，在金融创新成为业界常态、综合经营试点不断扩大的情况下，完善监管协调是防范金融风险的必然选择。

The CPPCC national committee/China merchants bank(600036,stocks)President ma weihua proposed,Should modify the system of financial industries managed and supervised respectively[Commercial bank law].He thinks that,In financial innovation to become the industry norm/Under the condition of expanding comprehensive pilot run,Perfecting supervision coordination is the inevitable choice of preventing financial risks.

　　从去年年底召开的中央经济工作会议，到今年全国两会的政府工作报告，都强调要守住不发生系统性和区域性金融风险底线，引导金融机构稳健经营，加强对局部和区域性风险以及金融机构表外业务风险的监管，提高金融支持经济发展的可持续性。民建中央的提案认为，这使得金融大部制改革时不我待。

From the central economic work conference held at the end of last year,By the national two sessions this year's government work report,Emphasize to defend not systemic and regional financial risk the bottom line,Encourage financial institutions to the steady operation,Local and regional risks and financial institutions to strengthen off-balance sheet risk regulation,Increase financial support for the sustainable development of the economy.Central committee of the proposal,When making financial the super-ministries reform.

　　“应由全国人大法工委牵头起草，征求和吸纳金融主管部门的立法建议，制定金融稳定法。”全国政协委员、中国工商银行(601398,股吧)副行长张红力在提案中表示，“维护金融稳定本就是金融监管机构的职责所在，无需另设机构，但应考虑做实更高层面的监管协调机制，在需要维护金融稳定时可以当机立断，众志成城”。

"Should be led by the National People's Congress li drafting,Ask for and absorb the legislative Suggestions of financial departments,Financial stability."The CPPCC national committee/The industrial and commercial bank of China(601398,stocks)Vice President Mr. Zhang said in the proposal,"Maintaining financial stability is the responsibility of the financial regulator,Without setting up institutions,But should be considered for a higher level of supervision coordination mechanism,Can decide if it is necessary to maintain financial stability,Unity is strength".

　　前述接近中央财经工作领导小组办公室的全国政协委员认为，现在就应开始制定符合我国金融业综合经营趋势的相关法律，比如金融控股公司法。他的理念是，“让市场引导监管部门的变革”，即金融监管要从以机构监管为主的体制，向功能监管与机构监管结合的方向转变。

The closer to the central financial and economic work leading group office of the CPPCC national committee,Now you should begin to formulate conforms to our country financial industry comprehensive management trend of related law,Such as the financial holding company law.His idea is that,"Let the market guide regulatory change",The financial supervision from predominantly institutions supervision system,Regulation to functional regulation and institutions combined with the direction of the shift.