| 英文摘要 |
Supervision competition is an important feature of Chinese financial supervision system. The formation of the competitive landscape between securities, banking, insurance and other financial supervision institutions originated from the supervision tradition of 'control', which was gradually promoted to improve the actual efficiency of supervision and was strengthened in the interests of the fast-growing financial industry. The State Council's new institutional reform has changed the form of supervision competition, but has not changed its substance and motivation. Supervision competition has formed complex institutional effects on financial markets. It has increased the difficulty of supervision coordination while refining the supervision division and improving the efficiency of supervision. It has strengthened the supervision capacity while deepening the dependence of financial markets on supervision. It has accelerated the establishment of supervision legal systems while the establishment has intensified the tendency of 'colonialism'. At present, the governance strategy based on central bank containment and institutional and personnel adjustment cannot solve the negative externalities brought about by financial supervision competition, but will weaken its institutional competitiveness. Under the background of mixed finacial operation and separate supervision, a reasonable approach to legal governance should encourage regulators to shift from supervision authority-oriented competition to public product supply-oriented competition, to build an effective and substantial supervision coordination mechanism to curb the negative externalities of supervision competition, to promote the connection between legal supervision rules and industry supervision rules, internal supervision rules of financial enterprises, and to strengthen the private implementation of legal norms of financial supervision. |
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