我国商业银行综合化经营问题浅析

Analysis on the Integrated Management of Commercial Banks in China

尽管现行《商业银行法》仍未完全放开银行开展综合化经营,但银行频频"曲线"涉足基金、金融租赁、保险等领域,综合经营更是其应对利率市场化、金融脱媒以及金融国际化冲击的有效策略。最新年报显示,我国商业银行综合化经营"星星之火"正呈燎原之势。在机遇面前,中资银行选好综合经营实现路径就显得非常重要。

Although the current Commercial Banking Law of China has not given full freedom to the integrated op- eration of commercial banks, yet banks frequently bypass regulations to get involved in areas such as fund, financiar leasing and insurance. The integrated operation is a ＂real trick＂ to confront the impact brought by the liberalization of interest rate, financial disintermediation and financial internationalization. As the latest annual report reveals, the inte- grated management of commercial bank is growing rapidly across China. Faced with the opportunity, it is very impor- tant for Chinese-funded banks to choose a correct ~ath to realize its integrated oneratinn