全能银行——我国银行业的发展方向和现实选择

Universal Bank——Development Direction and Realistic Choice of the Banks in Our Country

银行业的分业经营是适应市场经济发展到一定时期的经营策略 ,伴随着信息社会和知识经济的到来 ,商业银行与投资银行业的再次融合 ,实现全能银行已成为不可抗拒的潮流 ,这有利于中国加入WTO。政府应实行渐进式改革 ,保持政策的连续性 ,以保证全能银行的良性发展。

The division management of the banking industry is the management strategy to suit the market economy at a certain phase. With the approach of the information society and the knowledge economy,the recombination of the commercialized banking industry and the investment banking industry and the realization of the universal banking industry are inevitable .This is beneficial for China's entry into WTO. Our government should carry out the progressive reform and maintain the consistence of the policy for the sake of the virtuous development of the universal banking industry.