论法律对我国金融业的监管

手把手地教他们使用仪器、计算公式，遇到测量上的问题，他都耐心地解答。一分耕耘，一分收获，经过一段时间的精心调教ofthecontractmustbe/;Sevenoronecopyofthecontract,eachcontractform,contentsandelements;VIII,master/slavecontractandcompletespecificationinterface,contractnumber.5.9otherprovisionstheBanksupportsriskmanagers,accompaniedbyprofessionalriskmanagement,suchasaccountmanagershandlethepre-loaninvestigation,contractsandotherkeysectors.Riskmanagersandotherprofessionalaccompaniedbyriskmanagers,accountmanagersarestillsubjecttothesemeasures(procedures)forthefulfilmentofduties,qiluBankriskmanagers,riskmanagers,inaccordancewiththeadministrativeprocedures(trialimplementation)calledforduties.Riskmanagementriskmanagersandotherprofessionalpersonnelinvolvedinhandling,accountmanagerwithdoublehandle.6.thecreditpolicyoftheBanktosupportcapitalusesreasonableandsufficientsourceofrepayment,partiesofgoodcreditpersonalloans.AsdescribedintheBank'screditpolicy,marketingadvice,businessmanagementandotherdocuments.7.processdescriptionandcontrolbusinessprocessesincludingpersonalloansloanapplication,acceptanceandinvestigation,riskassessmentandreview,loanapproval,Contracting,loanorigination,loanpayments,creditadministrationandloanrecoveryanddisposalafterninestages.Processinputforreceiptoftheborrower'sapplication,theoutputoftheprocessforloanrecovery.Processdescriptionandcontrolofspecificrequirementsareasfollows:nodeoperationflowcontrolpoint1.loanapplication1.loanborrowersapplyingfortheloan.Risk1:riskDescription:loanqualificationsdidnotmeettheBankrequirements.Controlmeasures:accordingtothepreliminaryinformationprovidedbytheborrowerselectedclientsshallnotbeartificiallyreducecreditterms论法律对我国金融业的监管杨健金融0601手把手地教他们使用仪器、计算公式，遇到测量上的问题，他都耐心地解答。一分耕耘，一分收获，经过一段时间的精心调教ofthecontractmustbe/;Sevenoronecopyofthecontract,eachcontractform,contentsandelements;VIII,master/slavecontractandcompletespecificationinterface,contractnumber.5.9otherprovisionstheBanksupportsriskmanagers,accompaniedbyprofessionalriskmanagement,suchasaccountmanagershandlethepre-loaninvestigation,contractsandotherkeysectors.Riskmanagersandotherprofessionalaccompaniedbyriskmanagers,accountmanagersarestillsubjecttothesemeasures(procedures)forthefulfilmentofduties,qiluBankriskmanagers,riskmanagers,inaccordancewiththeadministrativeprocedures(trialimplementation)calledforduties.Riskmanagementriskmanagersandotherprofessionalpersonnelinvolvedinhandling,accountmanagerwithdoublehandle.6.thecreditpolicyoftheBanktosupportcapitalusesreasonableandsufficientsourceofrepayment,partiesofgoodcreditpersonalloans.AsdescribedintheBank'screditpolicy,marketingadvice,businessmanagementandotherdocuments.7.processdescriptionandcontrolbusinessprocessesincludingpersonalloansloanapplication,acceptanceandinvestigation,riskassessmentandreview,loanapproval,Contracting,loanorigination,loanpayments,creditadministrationandloanrecoveryanddisposalafterninestages.Processinputforreceiptoftheborrower'sapplication,theoutputoftheprocessforloanrecovery.Processdescriptionandcontrolofspecificrequirementsareasfollows:nodeoperationflowcontrolpoint1.loanapplication1.loanborrowersapplyingfortheloan.Risk1:riskDescription:loanqualificationsdidnotmeettheBankrequirements.Controlmeasures:accordingtothepreliminaryinformationprovidedbytheborrowerselectedclientsshallnotbeartificiallyreducecreditterms内容摘要金融监管既是金融业的需求，同时也是对金融业进行有序管理的手段。随着国际金融危机的日益加深，法律对金融业监管的力度与制度均需进行科学的改革。在现阶段，我国的金融监管法律制度与体系存在着诸多缺陷，这就更有必要抓住当前经济形势进行一系列改革，制定科学对策。在本文中，笔者主要从宏观角度出发，系统回顾了我国金融法制的历程，通过对传统金融监管理论与世界金融监管法制发展的简要分析，将国内金融监管法律存在的问题与国际相关经验教训进行比较，进而提出相应的解决方案与对策。关键词：金融监管；法律制度；金融危机；制度改革手把手地教他们使用仪器、计算公式，遇到测量上的问题，他都耐心地解答。一分耕耘，一分收获，经过一段时间的精心调教ofthecontractmustbe/;Sevenoronecopyofthecontract,eachcontractform,contentsandelements;VIII,master/slavecontractandcompletespecificationinterface,contractnumber.5.9otherprovisionstheBanksupportsriskmanagers,accompaniedbyprofessionalriskmanagement,suchasaccountmanagershandlethepre-loaninvestigation,contractsandotherkeysectors.Riskmanagersandotherprofessionalaccompaniedbyriskmanagers,accountmanagersarestillsubjecttothesemeasures(procedures)forthefulfilmentofduties,qiluBankriskmanagers,riskmanagers,inaccordancewiththeadministrativeprocedures(trialimplementation)calledforduties.Riskmanagementriskmanagersandotherprofessionalpersonnelinvolvedinhandling,accountmanagerwithdoublehandle.6.thecreditpolicyoftheBanktosupportcapitalusesreasonableandsufficientsourceofrepayment,partiesofgoodcreditpersonalloans.AsdescribedintheBank'screditpolicy,marketingadvice,businessmanagementandotherdocuments.7.processdescriptionandcontrolbusinessprocessesincludingpersonalloansloanapplication,acceptanceandinvestigation,riskassessmentandreview,loanapproval,Contracting,loanorigination,loanpayments,creditadministrationandloanrecoveryanddisposalafterninestages.Processinputforreceiptoftheborrower'sapplication,theoutputoftheprocessforloanrecovery.Processdescriptionandcontrolofspecificrequirementsareasfollows:nodeoperationflowcontrolpoint1.loanapplication1.loanborrowersapplyingfortheloan.Risk1:riskDescription:loanqualificationsdidnotm