CAJ | 학술논문

我国民间金融、互联网金融发展迅速，但因国家采用分业监管的模式，民间金融缺乏监管及监管协调机制。无论是正规金融领域，还是民间金融领域，建立金融监管协调机制意义重大。民间金融监管协调机制的重点是：中央和地方监管分工协调、地方政府与驻地国家金融监管派出机构的协调、地方政府各部门之间的协调、地方金融监管部门与其他执法司法部门的协调，以及行业自律、信息共享、联合执法检查、风险防范处置等的协调。温州通过地方性法规已经确立了民间金融监管及其监管协调机制的制度。
아국민간금융、호련망금융발전신속，단인국가채용분업감관적모식，민간금융결핍감관급감관협조궤제。무론시정규금융영역，환시민간금융영역，건립금융감관협조궤제의의중대。민간금융감관협조궤제적중점시：중앙화지방감관분공협조、지방정부여주지국가금융감관파출궤구적협조、지방정부각부문지간적협조、지방금융감관부문여기타집법사법부문적협조，이급행업자률、신식공향、연합집법검사、풍험방범처치등적협조。온주통과지방성법규이경학립료민간금융감관급기감관협조궤제적제도。
The informal finance and the Internet finance are thriving in China, meanwhile, the according regulation and the regulatory coordination mechanism lacks, due to the separate regulatory mode being adopted. Both in the sectors of the formal and informal finance, it is of great significance to establish the financial regulatory coordination mechanism. The focus of the regulatory coordination mechanism of the informal finance should be placed on the following. They are the coordination mechanism between the central government and local governments, between the local branches of the central regulators and the local governments, between the departments within the local government, between the local regulators and the other administrative law enforcement and juridical departments as well as the organs having such functioning as industry self-discipline, information sharing, joint law enforcement inspection, risk prevention and disposal, the protection of the financial consumers. Through the local regulations, the regulatory coordination mechanism of the informal finance was established in Wenzhou.