国内学者关于金融业分业经营若干问题研究述评

Review on research of domestic scholars on diversified operation in finance industry in China

分业经营是银行业经营的一种基本模式。大多数学者认为,由于相关法规不健全、金融领域的监管还缺乏力度,内部约束机制还未真正得以建立,所以1993年前后中国必须实行分业经营。到2003年,中国金融业分业监管体系初步建成。分业经营对于规范中国的金融秩序,降低和化解金融风险发挥了重要作用。但是从长远看,分业经营只是一种权宜之计。随着金融机构风险管理能力和监管机构监管水平的提高,在规范经营和有效控制风险的基础上,应逐步放宽对混业经营的限制。

Diversified operation is a kind of basic management pattern of bank industry. Most scholars thought that diversified operation must be carried out in China in 1993, because related regulations were un- sound, superintendency of financial field were lacks of intensity, and internal restraint mechanism hadn＇ t been established really. Until 2003, diversified superintendency system of finance industry in China established preliminarily. Diversified operation played an important role in standardizing Chinese financial order, redueing and dissolving financial risk. However in long views, diversified operation is only expedient. Along with the raising of risk managemere ability of financial organization and the raising of superintendency levels of superintendency organization, the restriction of mixed operation should be relaxed step by step on the foundation of standant operation and effective controlling risk.