中文摘要：

运用新制度经济学的制度供求及制度变迁理论，分析我国目前金融业经营体制综合化趋势，认为现有分业监管制度在改革过程中应根据制度变迁的路径依赖，进行监管体制协调。基于对我国分业监管体制现状的分析和借鉴发达国家的成功经验，结论和建议是：人民银行与监管部门在分工与协作中，应尽量通过信息共享和相互提供服务来节约成本、提高效率；完善我国相关法律法规，对人民银行和三大监管机构各自的职责做出明确、具体的规定；建立双边或多边紧急磋商制度；建立金融监管协调委员会，使其发挥更高层次的整合作用和协调功能。

英文摘要：

This paper conducts an analysis of the comprehensiveness trend of the present financial operation system in China by applying the institutional supply ＆ demand and institutional change theory of the new institutional economics. institution should conform to the According to the author, the present path of institutional change in the segmentation-oriented regulatory reform and the coordination of regulation system should be implemented. Based on an analysis of the present segmentation-oriented regulation situation, and drawing on the advanced countries＇ experience, the paper has made the following conclusive remarks ：the People＇s Bank of China and the regulatory authorities should clarify division of labor and coordination, and economize cost and increase efficiency by sharing information and providing mutual service; the government should improve the relevant laws and regulations in which the functions of the PBC and the three regulatory authorities are stipulated specifically; the bilateral or multilateral consultation system should be established; and the financial regulation coordination committee should be set up so as to perform higher-leveled integrity and coordination functions.