论金融的有效监管摘 要 随着科技的发展,电子金融的发展也如火如荼。在促进全球经济发展的同时，也加大了金融市场的不稳定性，使金融监管变得更加困难。在这种形势下，必须严格对待风险监管问题，采取有效及时的监管方法便成了重中之重。本文将从金融的发展，我国金融监管的现状以及存在的问题，以及完善我国金融监管的对策及意义这些方面进行探讨关键词：电子金融；监管现状；监管意义；监管对策Effective regulation theory of electronic financeABSTRACTWith the development of science and technology, the development of electronic finance is also in full swing. In promoting the development of the global economy, but also increase the instability of the financial markets, so that financial regulation becomes more difficult. In this situation, it is necessary to strictly deal with the issue of risk supervision, to take effective and timely regulatory approach has become a top priority. This article from the financial development, the status of China's financial supervision and the existing problems, as well as the improvement of China's financial regulatory measures and significance of these aspects.Keywords: Electronic finance; current situation of supervision; supervision significance; Supervision CountermeasureI目 录一、我国金融监管的发展及存在的主要问题..................................................1（一）我国金融监管的发展阶段 .......................................................1（二）目前金融监管存在的主要问题 ...................................................1 1. 监管目标不够明确 ...............................................................1 2. 金融监管独立性不够..............................................................1 3. 金融监管机构协调性较差 .........................................................2 4. 金融监管措施不力 ...............................................................2 5. 监管人员素质参差不齐，综合型监管人才匮乏 ......................
