中美金融业经营模式与法律问题之比较

The Comparative Research of the Financial System and Laws between China and America

国际金融业的经营模式可划分为两大类,即分业经营与合业经营。分业经营是指各金融机构专营各自经营范围内的业务而不允许从事其它业务;合业经营则是指各金融机构之间可相互经营金融业务。中美金融业经营模式的实践与立法史存在相似性,两国的金融控股公司制度存在差异。经济全球化与WTO时代的竞争促使中国金融业从分业经营模式逐步转向合业经营模式。

There exists similarity of the changing process of the financial system and relative legislation between China and America. Both countries＇ financial holding company exist difference. Chinese financial system reform must be a tendency from separated banking system to universal banking system under the background of the globalization of economy and finance as well as china＇s entry of WTO.