随着我国加入WTO,外资银行的大量进入,促进我国金融业发展的同时也进一步加剧了金融系统的不稳定性,给我国的银行监管工作带来了巨大的挑战。本文拟从我国银行监管法制存在的现状和问题入手,通过阐述我国在银行监管方面存在的问题及问题产生的原因,进而提出对我国银行监管法律制度完善的几点建议。 With China’s accession to the WTO, the entry of a large number of foreign banks to promote the development of China’s financial industry has also further aggravated the instability of the financial system, posing a huge challenge to China’s banking regulatory work. This article will start with the existing problems and problems in the legal system of banking supervision in our country. By elaborating on the problems existing in banking regulation and the causes of the problems in our country, and then put forward some suggestions on how to perfect the legal system of banking supervision in our country.