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对于基层人民银行来说，要确保金融监管的有效，除了国家所赋予的监管模式与法律环境外，还应针对区域经济与金融特点，合理规划符合区域特点的高效的金融监管机制，必须建立起全方位的、有针对性的、有效的金融监管体系。笔者认为，当前主要应对措施有： 一、完善中央银行
For the grassroots-level People’s Bank of China, to ensure that financial supervision is effective, in addition to the regulatory and legal environment endowed by the state, an efficient financial regulatory mechanism tailored to regional characteristics must be formulated in the light of the characteristics of regional economy and finance. All-round, targeted and effective financial regulatory system. The author believes that the current main response measures are: First, improve the central bank