Research Of The Financial Supervision System Under The Trend Of Mixed Operation

In the financial system, commercial bank is limited in a very narrow field of the deposit andlending business, assets form is onefold, difficult to realize the optimization configuration of assets,it is also significant to increase the banking industry financial crisis. At the same time, the capitalmarket has also suffered as a result of separate operating system constraints, not through thebusiness model of innovation and obtain bank funds support, which is China’s security industry andinsurance industry in the scale of development lags far behind the relevant countries is one of theimportant reasons. Management mode leads to a direct result of monetary market and capital marketare not from each other’s development benefits, led to cause destruction to both sides. However,through the world of mixed financial business relevant state practice, in the mixed operation system,financial institutions are able to give full play to the advantage of business diversification of riskdispersion and resources sharing efficiency advantage, implementation profit source diversification,enhance competition ability. Mixed supervision can also play a coordinating banking, securities,insurance and other industries seamlessly between regulatory purposes, thereby resolving theinternal risk in financial supervision. Therefore, in the development of international financialregulation mode on the basis of financial supervision in China, combined with the practice, to studyunder the trend of mixed operation of financial regulatory system has very important theorysignificance and the practical significance.This paper is divided into five parts. The first part is the introduction, through to our countryfinance supervision mode’s change leads in the mixed operation mode of financial supervisionproblems; the second part is the mixing operation regulatory overview. From separated operationand mixed operation definition proceed with, on their respective shortcomings were analyzed, anddiscussed in Chinese mixed business reality and necessity. At the same time, also on the mixedoperation of financial supervision under the condition of the characteristics are introduced; the thirdpart is our country financial regulation in response to operation process in the problems anddeficiency. On one hand, is our country’s supervision system of the existing problems, on the otherhand, is the lack of bank information disclosure system and the system of deposit insurance, also onthe systematic financial risk regulatory defects were tips. The fourth part is the financial crisis after the mixing operation regulatory reform abroad and its reference to china. The United States ofAmerica were introduced, British and European country in the legislation of financial supervisionreform in terms of the number of cases; the fifth part is our country is mixed managementsupervision some countermeasures, from five different levels of analysis. From the first regulationideas into functional supervision idea; followed in the supervision over information disclosure shallcontinue to strengthen, to establish and perfect our financial information disclosure system; third isto establish a deposit insurance system as the basic consumer relief mechanism; fourth shouldstrengthen system risk management, strengthen the crisis management; fifth, to strengthen ourcountry and international financial regulatory cooperation. The last part is a conclusion.