Perfection Of Legal Supervision System For Comprehensive Operation In Financial Industry

With the accelerating pace of global economic integration,financial liberalization and financial innovation are constantly changing.People are increasingly demanding for financial integration services and product diversification.Banking,securities,and insurance worldwide the boundaries of the industry are increasingly blurred,and the global financial industry has become a clear mainstream trend.At present,although China's financial industry still adopts the model of separate operations,there is already a tendency to relax restrictions on comprehensive operations at the legal and policy level.In practice,commercial banks have already established their businesses through the formation of financial holding group companies.Expanded to other financial industry fields,providing customers with a full range of financial services,and gradually exploring the development path of the financial industry's integrated operations.This conforms to the trend of the times,but China's current financial supervision system still remains the basis for the supervision of the industry.In the past,the contradiction between comprehensive management and separate industry supervision has become increasingly prominent.The focus of this paper is to discuss the difficulties China currently faces in the supervision and management of the financial industry's integrated business operations,such as how to quantify financial derivatives and how to strengthen coordination and supervision.Analysing what causes the issue of oversight of regulatory responsibilities between regulatory authorities and reducing regulatory efficiency,and through lessons learned from foreign comprehensive regulatory experience,considers how to improve China's "double-peak supervision" model and enable China's financial regulatory authorities Effectively supervise the comprehensive operation of financial companies.The financial industry is a high-risk industry.The stability of the financial industry is related to the stability and order of the entire country.A good financial supervision system is the precondition and basis for the stability of the financial industry.Therefore,in order to ensure that China's current financial institutions' comprehensive operations can develop healthily,it also provides feasible supervision methods for the supervision of China's financial industry's comprehensive operations,and conducts the current status of China's current financial industry's comprehensive operation by means of fact analysis and case-based argumentation.Through analysis and discussion,it is hoped that we will emerge from the principle of separate supervision and regulation that suits the national conditions of our country's financial industry and continue to promote the development of the socialist market economy.