摘要：金融业作为现代化经济发展的中枢，在国民经济中的作用日益重要。金融行业一直以高风险特点著称，且具有极大的社会扩散性。为了规避和分散金融风险、保护客户的合法利益，并保障金融机构的健康经营、维护金融行业的稳定、促进国民经济的持续协调发展，我国自上世纪80年代以来，加强了金融监管改革的力度。但是随着我国经济体制改革的不断深入，金融组织体系改革也必须不断加强。因此，必须构筑我国金融体系改革的理想模式，不断完善我国金融监管组织体系，建立统一开放，有序竞争，严格管理的金融市场，这也是时代的呼唤。

关键词：金融监管；制度缺陷；对策；

Abstract: The financial industry is considered as the center of the development of modern economy, which plays an increasing important role in the national economy. It is known as the high risk as well as the significant social diffusion. China has strengthening the innovation of the financial supervision since the 80’s of the last century in order to avoid and spread the financial risk, protect the customers’ legal rights, guarantee the healthy development of financial institutions, maintain the stability of the financial industry, and promote the continuous and coordinated growth of the national economy. However, with the intensifying of economic system reform and the rising of knowledge economy, it is necessary to set up ideal mode of the china’s financial system reform, continuously improve the construction of the financial supervision, built up a unfilled, open, competitive and orderly financial market with strict management, and this is the call of the time. 

Key words: financial supervision, deficiency, strategy.