美国金融防火墙制度演变及其对我国的启示

The Evolution of Firewalls System in the U.S.and the Suggestion to China

本文对金融防火墙的含义、具体作用及其在美国的发展演变等进行了全面的分析。我国未来金融业的混业经营将采取控股公司这一组织模式,因此借鉴美国金融防火墙的经验,制定科学合理的金融控股公司监管措施,对于实现我国金融业经营模式的稳步转型具有重要意义。

Since the 1930s, the firewalls in the U. S. has evolved with the changing of the economic and financial situation, the concept of firewalls, the function and also the evolution of firewalls in the U. S. are analyzed systematically in this paper. Financial holding company will be adopted in China in the future when the combination of banking and other financial industries comes true, so drawing on the experience of firewalls of the U. S. , and taking some scientific and reasonable measures on the supervision of financial holding company is of great significance to the steady transformation of financial operating model in China.