中国金融混业经营制度变迁的经济学分析

Economic Analysis on Institutions Change of China Financial Mixed Operation

金融业经营管理模式在中国大体可分为建国以前的混业经营尝试、改革开放前的高度集权化经营、改革初期的粗放型混业经营以及分业经营模式等若干时期。实施金融混业经营的约束条件,包括多样化经营的边际收益与边际成本权衡、金融企业素质与产权结构、金融市场秩序与金融监管模式、社会信用体系等方面。

In China, financial management can be roughly divided into several periods of time as the mixed operation attempt before the founding of PRC ; the highly centralized management before reform and opening - up; the extensive mixed operation in the early period of reform; and the divided operation mode time. The constraints to carry out financial mixed operation include the balance of marginal income and cost in diversified - operation ; the quality of financial enterprises and the structure of property rights ; financial market order and financial supervision mode; and the social credit system, and so on.