Hao Zhibin
The financial regulation must be fully strengthened in building a financial powerhouse. In order to solve the long-standing problems of regulatory difficulties, such as race to the bottom, arbitrage and capture, and responsibility discretization in financial regulation, China has optimized and adjusted the financial regulatory system. The core essence is to further strengthen the overall coordination, optimize the regulatory resource allocation, and enhance the support effectiveness of financial consumer rights and interests, etc. At present, there are structural mismatches between fi nancial regulatory system and fi nancial laws and norms in China, which is reflected in the inadequacy of systematic cross-industry and cross-sectoral legal arrangements, as well as the dispersal and over-principle of relevant provisions. The construction of a complete system of legal norms for fi nancial regulation requires the unifi ed Financial Law as an optimal path to provide an institutional foundation and framework program for the transformation of the fi nancial regulatory model, and for the orderly, systematic and stable optimization allocation of regulatory powers and responsibilities, so as to form the guarantee mechanism for long-term eff ectiveness of fi nancial regulation.
内容提要：建设金融强国必须全面强化金融监管。为破解我国金融监管中存在的监 管竞次、监管套利、监管俘获、监管责任离散化等问题，我国对金融监管体制作出了重 大优化调整。核心要义在于进一步强化监管统筹协调、优化监管资源配置、提升金融消 费者权益保障效能等。目前，我国金融监管体制与金融法律规范之间存在结构性错配， 体现在缺少系统性的跨行业跨部门法制安排、相关条款分散且过于原则化等。构建完备 的金融监管法律规范体系，需要以制定统一的《金融法》为优化路径，为金融监管模式 转型、监管权责优化配置的有序化、体系化、稳定化提供制度性基础和框架性方案，形 成金融监管效能长效化的保障机制。