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一、立法背景与过程为了适应货币职能与银行监管职能的发展趋势,完善我国金融监管体系,建立更有效的监管机制,确保金融机构安全、稳健、高效运行,提高防范和化解金融风险的能力,根据2003年3月10日十届全国人大一次会议审议通过的《关于国务院机构改革方案的决定》,决定健全金融监管体制,设立中国银行业监督管理委员会(以下简称银监会)。由银监会统一监管银行、金融资产管理公司、信托投资公司及其他存款类金融机构。中国人民银行不再履行对上述这些金融机构的监管职责,其职能主要是制定和执行货币政策,不断完善有关金融机构的运行规则,更好地发挥其作为中央银行宏观调控和防范与化解金融风险的作用。
I. Legislative Background and Process In order to adapt to the development trend of monetary functions and banking regulatory functions, improve our financial regulatory system, establish more effective regulatory mechanisms, ensure the safe, steady and efficient operation of financial institutions and enhance their ability to prevent and resolve financial risks, Pursuant to the “Decision on the State Department’s Institutional Reform Plan” considered and passed at the first session of the Tenth National People’s Congress on March 10, 2003, it decided to improve the financial regulatory system and establish the China Banking Regulatory Commission (CBRC). The CBRC shall supervise banks, financial asset management companies, trust and investment companies and other deposit-taking financial institutions. The People’s Bank of China no longer fulfills its regulatory responsibilities over these financial institutions. Its main functions are to formulate and implement monetary policies, constantly improve the operational rules of financial institutions and better exert its influence as a macro-control of the Central Bank and prevent and resolve financial risks Role.