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金融危机引发了不少国家对本国现行金融规制体制的反思。我国目前金融市场发展有两大特点,即金融控股公司形式的采取和金融产品创新化、横跨三业化发展,也说明我国现行金融业条块划分及相应的监管体制存在弊端。可以考虑进行金融统合规制的立法和改革。金融服务法体系的建立和完善与统合规制无必要联系,但是,金融统合规制可为金融服务法的立法原则和目标,甚至是具体制度提供内容要素。
The financial crisis has caused many countries to reflect on their current financial regulation system. At present, the development of financial market in our country has two major characteristics. That is, the adoption of financial holding companies and the innovation of financial products across three industries also show the drawbacks of the current financial sector and the corresponding regulatory system. Legislation and reforms that regulate financial integration may be considered. There is no necessary connection between the establishment and perfection of the system of financial services law and the unification of regulations. However, the regulation of financial integration can provide content elements for the legislative principles and objectives of the Financial Services Law and even for the specific system.