Study On The Problems And Countermeasures Of China's Separated And Integrated Financial Supervision

Along with developing tendency of liberal, united and globalized world economy, financial mixed farming has become important feature of modem developed countries' financial management system. Furthermore construction and perfection of financial supervision is one of premise conditions to guarantee financial system's safe and effective operation. From availability of financial supervision, a country's financial supervision system should fit in with its financial management system. So in pace with maturity and expansion of mixed farming on and on, the problem of effect of financial supervision becomes important problem to be researched and resolved expectedly in financial system operation, interrelated, which the problem of choosing financial supervision pattern has yet become one of principal problems which governments and literati of all countries argue each other.China has entered the WTO. Internationalization tide of financial mixed farming is strongly impacting China's separated supervision. Because of innovations such as mixed management of financial business, development of financial conglomeration, entrance of foreign financial machineries and so on, China's separated supervision system is up against unprecedented challengers. Financial supervision pattern (organization structure of financial supervision main body) is the emphasis of financial supervision system, at the same time the stopping-over-point and setting-power-point to promoting financial supervision system reforms. Therefore, how to choose and perfect China's financial supervision in order to improve effect of financial supervision is a very pressing and worthy task.The main target of this research concludes as follows: (1) to exploretheoretical basis of separated and integrated financial supervision; (2) to draw lessons from development countries' experience of financial supervision pattern reforms and to get enlightenment from them; (3) to find out the conditions of integrated financial supervision and to analyse reality of China's separated financial supervision; (4) to study the problems of China's separated financial supervision and the reasons of them; (5) how to achieve the transition and development of China's financial supervision pattern. The results and countermeasures of this thesis concludes as follows:1. The advantages and inferiorities of separated and integrated financial supervision join hands with each other.2. A country must possess necessary substantial conditions if it wants to achieve integrated financial supervision. There are obstacles in China's integrated financial supervision.3. The effect of China's separated financial supervision is faced with stern challengers.4. A reasonable and effective financial supervision pattern should accord with economic principle of cost-effect based on not only tradition and reality but also the development tendency of ideal and coming finance.5. This phase we should take scientific reform steps to perfect separated supervision, enhance financial supervision effect and make preparation for integrated financial supervision.