银保监会合并的时间及其影响：中文篇

银保监会合并的时间是在2018年3月。这一改革举措标志着中国金融监管体制的重大调整，将原中国银行业监督管理委员会和中国保险监督管理委员会的职责整合，形成了中国银行保险监督管理委员会（简称“银保监会”）。

银保监会的合并，不仅提高了金融监管的效率，还加强了对金融市场的风险防控。新的监管体系在维护金融稳定、防范金融风险、保护消费者权益等方面发挥着更加重要的作用。同时，银保监会的成立也为中国金融业的发展提供了更加全面、统一的监管环境，促进了金融市场的健康发展。

银保监会合并后，其监管范围涵盖了银行业和保险业，实现了对金融机构的全面监管。这一改革有助于提升中国金融业的整体竞争力，推动金融市场的创新与发展，更好地服务于实体经济。

Timing and Impact of the Merger of the China Banking and Insurance Regulatory Commission: English Version

The China Banking and Insurance Regulatory Commission (CBIRC) was merged in March 2018, marking a significant adjustment in China's financial regulatory system. This reform integrated the responsibilities of the former China Banking Regulatory Commission and China Insurance Regulatory Commission, giving birth to the China Banking and Insurance Regulatory Commission (CBIRC).

The merger of CBIRC has not only improved the efficiency of financial regulation but also strengthened risk prevention and control in the financial market. The new regulatory system plays a more crucial role in maintaining financial stability, preventing financial risks, and protecting consumer rights. At the same time, the establishment of CBIRC has provided a more comprehensive and unified regulatory environment for the development of China's financial industry, promoting the healthy development of financial markets.

After the merger, CBIRC's regulatory scope covers both the banking and insurance industries, achieving comprehensive supervision of financial institutions. This reform helps enhance the overall competitiveness of China's financial industry, promote innovation and development in financial markets, and better serve the real economy.