金融混业经营与中国金融法律制度建设

Supervision Policies on Mixing Operation and the Construction of Financial Legislation in China

世界各国对金融机构业务范围的制度设计不尽一致,大体可概括为两种不同类别的业务制度模式:分业经营与混业经营。本文认为金融机构对分业、混业模式的选择,是与金融机构和金融市场自身发展的需要紧密结合的。混业经营是大多数国家当前采用的金融监管模式。中国加入WTO之后,要与国际接轨,实现从分业经营向混业经营的顺利过渡,必须进行一系列的改良和创新措施。完善金融监管法律制度,建立金融防火墙制度和信息披露制度,制定反垄断法,创建存款保险制度都是其他国家的成功经验,值得我们借鉴吸收。

In the world, the supervising system of financial business varies from country to country, in generally all these systems can be divided into two groups, one is separating operation, another is mixing operation. The article mainly argues that the choice of separating operation or mixing operation based on the operating level of financial institute and market. Supervising policy on mixing operation is the choice of majority of foreign countries. After we enter WTO, in order to conform to international common ways, we must take some effective measures to improve and create our financial supervising system to realize the change from separating operation to mixing operation. The article introduces some successful experience of other countries, such as improning financial supervising legislation, building financial fireproof wall system and information opening up system, enacting anti-monopoly law and creating depositing insurance system, etc. We can draw lessons from these good methods and construct our particular financial legal system according to our realities.