Research On Legal Issues In The Reform Of Financial Supervision System In China

The cold winter of the financial crisis swept across the world is still lingering smoke,such as the "butterfly effect" like the impact of China's economic development.Whether it is "routine loan",large scale money shortage,stock market disaster,or "Marlboro dispute" involving only a single financial institution,it implies that the "one row,three associations" financial supervision system and the general trend of mixed operation are difficult to coordinate."Two sessions" in 2018 passed the institutional reform of the state council,the CBRC and CIRC integration as silver CIRC,and will to formulate industry important draft laws,regulations and prudential supervision system of basic duty to delimit the pedestrian,finally by the financial stability development council to coordinate various financial management department work,the new system is expected to be targeted to promote the development of the security and stability of financial industry,overcoming the drawbacks brought about by the regulatory failures.From the perspective of rule of law,this paper focuses on the current major adjustment measures of financial regulatory framework.Behind the "bank-insurance merger",financial regulation has been transformed from a regulator to a market regulator,which is the direction of combining separate business operation and supervision and unified supervision.Following the basic idea of "discovering problems--exploring the causes of problems--proposing measures to solve problems",this paper adopts comparative analysis,empirical analysis and interdisciplinary composite analysis to sort out and explore the following aspects:First of all,the research background of this paper is illustrated by citing cases.By referring to the experience and context of the reform of financial supervision system outside the region,the path selection of financial supervision mode is sorted out,which is based on the background of "global finance" for reflection,in order to see the regulatoryproblems behind China's financial status quo.Secondly,combined with the typological analysis of big data cases,this paper takes the protection of financial regulators and financial consumers as the perspective,and proves the rationality of the merger between CBRC and CIRC from legislative content,administrative enforcement and other perspectives,so as to fully illustrate that the current reform of financial supervision system is a good law.Finally,based on China's national conditions,considering the particularity of the "dual structure" of urban and rural development and the objectivity of the rapid development of Internet science and technology,this paper puts forward countermeasures and Suggestions for improving China's financial supervision system.