Discussion On The Supervision Mode Of China's Financial Industry Under The Trend Of Mixed Operation

In recent twenty years,the financial globalization with economic integration is accelerating,the modern financial market in China has been rapid development, financial mixed operation has become the development trend of global financial industry.November of1999,American Senate and house of representatives have finished the more than 60years-long Bank of u.s.a., the situations of Divided-business of the securities, insurance through "modernized bill of the financial service", move towards new era of mixed-business after revealing financial circles,also marks the world financial market has entered a period of financial mixed operation.Along with accelerating the pace of financial innovation, the development trend of mixed operation becomes more and more obvious.The outbreak of the subprime mortgage crisis in the United States,in turn caused by the international financial crisis also from the side reflects the defects of the national system of financial regulation, financial supervision mode selection and setting related to a country's financial market security even to a country can effective and healthy development of the market economy.The earliest financial supervision system originated in Italy.The supervision of the financial industry is the emergence of the bud of the capitalist system, the circulation of money and the rise of commercial banks.For the evolution of the regulatory regime in various countries,it is the result of the continuous evolution of the financial structure,the effective financial supervision mode is often adapted to the economic structure.The rise of a new financial model in recent years, the trust financing, Internet banking and other currencies in China,the recent turmoil,capital market volatility,the surge in the shadow banking risk, frequent outbreak of bad loans,which are on the current financial supervision system also poses a severe challenge,local frequent exposure risk show that the current regulatory framework there can not adapt to the structural contradictions of current development trend of mixed operation of financial industry in our country,the traditional financial supervision mode has not been able to meet the needs of today's financial supervision, can not adapt to the current development trend of financial mixed operation, China's urgent need to reform the existing model of financial supervision.Under the trend of mixed operation of international financial industry,how to carry on the reform to the supervision mode,and guard against the huge risks that the financial industry mixed operation may bring?On how to steadily push forward the reform of the regulatory model,this paper analyzes the financial management system and financial supervision model,and discusses the conclusion of the mixed operation model has become the world's common choice.Through the analysis of the development situation of mixed operation of domestic financial industry,on the basis of discussing the current financial supervision system of our country, the challenge to the present supervision mode of financial market is summed up.Then, this paper makes a study on the changes of financial supervision system in several typical countries and regions in the world,and provides some enlightenment for the reform of the regulatory system in China.The financial industry of our country separated operation to mixed operation exploration transition period of financial market development and long-term carried out for financial regulatory system,a bold reform design,and accordingly on regulatory reform presents some relevant suggestions.Under the background of financial globalization and the trend of mixed operation of international financial market,China's financial industry separate supervision system and current mixed business trends,there is a certain contradiction,we should take active measures in financial regulation,in order to deal with a series of risks that may be caused by the condition of China's current "One industry and three association" separate supervision mode in our country,and protect the financial security of our country.