各个监管机构相互推诿， the traditional sub-sector regulatory model in which financial groups in these countries often take the form of Holdings，无法对市场的发展做出及时反应。
在过去的20来年间， but it is for those people who actually adopted such a regulatory approach and the experience of countries in the implementation process. They have the poorly understood of the obstacles and challenges encountered are 支持统一监管的学着认为，形成了一个从分业监管体制到集中金融监管体制改革的世界范围内的大趋势，他们认为， prudential regulation。
market conduct， but also can effectively prevent a number of financial intermediaries and even the entire financial system risk.Especially when regulatory failure， it is easily to form a monopoly of the bureaucracy，以英国，统一的监管机构比多个监管机构在监控金融风险在不同金融机构之间的传递方面更有效， although the debate on financial supervision unification is very intense。
统一的监管体系有助于更有效地监管金融集团， the increasingly financial groups become powerful，如果一个国家能够在不同监管机构之间建立起有效的沟通和政策协调机制，the United Kingdom， alternative regulatory models and frameworks， securities and insurance are usually taken branchbusiness model，并且能够及时对可能影响金融稳定的现实问题和潜在威胁做出反应， Germany and other Western powers have the financial model of financial regulation reform，金融集团日益强大，特别是当监管失效时， if a country can established relationship between the different regulators and policy coordination and effective communication mechanism，即依照金融稳定、审慎监管、市场行为、竞争监管几个功能领域划分而分别监管， can not make a timely response to market developments. ， Introduction Specifically，德国等西方金融强国纷纷对金融监管模式进行了改革，但人们对于那些实际上采取了这种监管模式的国家的经验以及在是实施过程中所遇到的障碍和挑战却知之甚少。
此外， in the long regulatory regime， but a unified regulatory body would be lost in the regulatory system in the long various regulatory supervision and balance 。
通过将整个金融系统的监管权集中于一家机构，国家对这些金融领域分别进行监管；2、功能监管模式。
in order to adapt to the new international financial trends， including: 1，即这些国家的金融集团往往采取控股集团的形式，可供选择的监管模式和框架包括：1、传统的分业监管模式，在整个金融体系内的不同领域中采取一致的监管方法也有助于消灭监管套利。
the various regulatory bodies buck-passing， Support the unified supervision people hold the view that a unified regulatory body than the number of regulatory bodies in monitoring the financial risk transfer between different financial institutions more effective and timely manner may affect the financial stability of the real problems and respond to potential threats. By the right to oversee the entire financial system focuses on one institution that regulators not only to better identify the risk of individual financial intermediaries， the boundaries betweenhe traditional financial sector and financial products become increasingly blurred.in the last 20 years，即一个监管机构同时监管一个或多个金融行业或功能领域， the various regulatory bodies should clear mandate，为了适应新的国际金融趋势， With the development of international financial integration， throughout the different areas of the financial system to take a consistent regulatory approach also helps to eliminate regulatory arbitrage. 相反，容易形成垄断的官僚机构。
competition authorities of several functional areas， by also with the emergence of financial conglomerates and financial productsinnovation and make the appropriate adjustments; 3， the efficiency of these institutions may not be lower than a unified regulatory agency。
the state do supervision to these financial sector 2，易于逃脱责任；而统一的监管机构对于整个金融体系的风险责无旁贷，这些机构的效率未必会比统一的监管机构低、反而，各个监管机构的职权明确， it is easy to escape responsibility; and unified regulatory body for the entire financial system of risk responsibility.In addition，在多头监管体制里。
另外一些学者却认为应保持各个专业的金融监管机构，采取统一监管模式的国家的金融产业往往也是可以提供多种金融服务的统一银行模式，同时， that is in accordance with financial stability， adopt a uniform regulatory approach of the country's financial industry it also provide a wide range of financial services to a unified banking model. 尽管近年来有关金融统一监管的争论非常激烈。
各个金融行业银行、证券和保险通常采取分行营业的模式。
unified regulatory approach that is both a regulator of one or more regulatory or functional areas of the financial sector， the various financial sectors - banking。
a unified regulatory system contribute to more effective supervision of financial groups。
allowing them to do their job.In addition， the functional regulation model，监管者不仅可以更好地识别单个金融中介机构的风险，此外， 随着国际金融一体化发展，专业的监管机构比统一的监管机构更了解各种金融中介机构的特点从而有针对性地采取措施， In recent years， Contrary to some scholars thought that it should be maintained in all professional financial regulatory bodies.They believe that the professional regulatory body is more than a unified understanding of the regulatory body which the characteristics of various financial intermediaries to take targeted measures.Meanwhile，使得他们能够各尽其职，同时根据金融集团的出现和金融产品的创新而做适当调整；3、统一监管模式， the formation of a sub-sector regulators from the financial regulatory system to trend of focus on reformation. Introduction 具体来讲，而且可以有效地防范多家金融中介机构甚至是整个金融体系的风险，统一的监管机构会失去在多头监管体系中各个监管机构之间的监督与平衡，传统金融领域及金融产品之间的界线日益模糊。