美中商业银行分业及混业经营的经验教训与我国未来经营模式的理性选择

Experience of Separate Operation and Mixed Operation about the US and China Commercial Bank and Rational Choice of Operation Mode

美国次贷危机表明,混业经营的快速推进,增加了金融体系的风险传染性和脆弱性,并由此给全球金融业带来了巨大危害。因此,本文在回顾美、中两国商业银行经营模式变迁的基础上,分析了混业经营与次贷危机的关联性,认为应该重新思考我国商业银行的经营模式,维持分业经营的格局。

The American loan crisis indicated： Mixes industry the management fast advancement, increased financial system＇s risk infection and the vulnerability, and has brought the huge harm for the global financial industry. This article reviewed the US and China Commercial bank business model vicissitude, analyzed relatedness of mixed industry the management and the loan crisis, thought that it should ponder our country Commercial bank＇s business model, the maintenance minute industry management pattern.