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随着我国经济金融的发展，现行金融监管框架的不适应性愈发突出。尽管改革的必要性已达成共识，但在金融监管改革方案上却存在巨大争议。现有的几个方案各有优点，也存在一些共性问题，如未涉及监管理念变革、缺少财政部门参与、重形式轻实质（特别是未触及目标冲突问题、功能监管问题）等。金融监管架构调整不能寄希望“毕其功于一役”，应从我国现实出发，分阶段逐步推进。近期重点是解决信息沟通不畅、监管真空问题，建立科学决策机制；未来的改革目标是建立一个相互制衡、有机协作、分工明确、全覆盖和高效率的金融监管架构。","With the development of China’s economy and finance,inadaptability of current financial supervision framework is becoming increasingly evident.Although the need for reform has reached a consensus,there is great controversy in financial regulatory reform package.Several existing programs have their advantages,but there are some common problems,such as without the change of the regulatory concept, lack of involvement of the financial sector, heavy forms of light essence (especially without thinking the problem of objectives conflict,functional supervision),etc.It’s wrong to hope financial regulatory structure adjustment to be accomplished at one stroke.It should be approached from reality and step by step.Recent emphasis should be put on solving information problems of miscommunication and regulatory vacuum to build a mechanism of scientific decision-making.The future reform objective is to build a financial regulatory framework of checks and balances,organic collaboration,clear division of labor,wide coverage and high efficiency.