摘要： 后金融危机时代，各国监管当局都面临着如何实现有效监管的挑战，金融监管方式作为提升金融监管质量的重要组成部分，对其进行相关的研究非常必要。近年来，与传统规则性监管方式相对应的原则性监管方式日益受到金融监管当局和学界的关注。文章基于对国外原则性监管理论和实践的分析，并结合我国金融市场环境，提出原则性监管尽管存在诸多问题，但是作为一种公私融合的监管治理方式，其在监管规范的制定、监管执行、监管文化重塑等三个层面上仍值得我国的金融监管当局吸收与借鉴。

关键词: 金融监管, 原则性监管, 监管方式

Abstract: In the post-financial-crisis era, many states financial regulatory authorities are faced with the challenges toenhance the effectiveness of financial regulation. Therefore financial regulatory approach is an important factor toimprove the quality of financial regulation and supervision, the relevant research is essential. Principles-basedregulation which opposed to rules-based regulation is now increasingly concerned by the regulatory authorities andacademic circles. Based on the analysis of the UK and Japan principles-based regulation theory and regulatorypractice, and considering China financial market environment，the article notes that despite there are many prob-lems and paradoxes of the principles-based regulation, the new governance-style principles-based regulation whichspans the public/private divide, deserves our state financial regulatory authontes to learn from it in terms of theregulatory norms-setting activities，regulatory enforcement, and reshaping of regulatory cultural.

Key words: Financial Regulation, Principles-based Regulation, Regulation Approach