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我国各省的金融监管职责和组织框架差异性较大，地方金融监管分散于多个部门，不同地方的金融监管机构组织架构、具体职责不尽相同，且主要着力于建立小贷公司的风险防范系统。相对于庞大复杂的监管对象，地方金融监管资源相当有限，且主要集中在省市两级。县级资源极度缺乏，与地方金融机构的分布严重错配，监管手段严重不足。而且，地方经济金融发展、地方金融监管与地方金融风险救助之间的职责不完全一致，部分监管措施缺乏明确的法律依据。","There is a big provincial difference in financial regulatory responsibilities and organization. The local financial regulation spreads among a variety of departments,and financial regulatory bodies and specific duties vary in different regions,mainly focusing on the establishment of micro-credit company’s risk precaution system. Facing the huge complex regulatory object, local financial supervision resources are quite limited and it focuses on province and municipality level,which leads to a resource scarcity in county and uneven distribution of financial institutions.In addition,there is inconformity among local financial development,local financial regulation and local financial risk rescue.Some of the regulatory measures lack a clear legal basis.