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在全球化的过程中,金融业的发展不仅是全球化的一个缩影,更进一步推动了全球化的进程。基于不同的国情,各国选择了途径迥异的发展模式,其中美国的金融控股公司模式和德国的全能银行模式都是在配套的体系下产生的典型。而由于金融业自身的特点,金融监管一直是各国立法、行政等部门关注的重点。虽然选择的发展模式不同,但各国在顺应全球化趋势的同时,出于金融安全的目的,都采取了各种措施试图将金融体系的风险限制在可控范围内。尽管近年来各国对金融业的重视有增无减,2008年爆发的全球金融危机仍然使全球范围内的金融机构或多或少受到了波及。通过对各国金融体系和监管模式的比较,对发展中的我国金融市场和监管体系有一定意义。
In the process of globalization, the development of the financial industry is not only a microcosm of globalization, but also further promotes the process of globalization. Based on different national conditions, various countries have chosen very different development modes. Among them, the model of financial holding companies in the United States and the model of universal bank in Germany are all typical examples of the system under the system. Due to the characteristics of the financial industry, financial supervision has always been the focus of the legislative, administrative and other departments in various countries. Although the modes of development chosen are different, all countries, in keeping with the trend of globalization, have taken various measures for the purpose of financial security to try to limit the risk of the financial system to a manageable level. Despite the increasing emphasis on the financial industry in various countries in recent years, the global financial crisis that struck in 2008 still affects the financial institutions in the world to a greater or lesser degree. By comparing the financial systems and regulatory models of different countries, it is of some significance to the developing Chinese financial market and regulatory system.