我国金融业混业经营利弊分析

The analysis on the advantages and disadvantages of mixed operation of financial industry in china

随着经济全球化、一体化程度的不断加深,各国金融企业之间的竞争越发激烈,特别是全球金融危机的爆发,世界上主要发达国家金融业混业经营趋势的不断加强,我国的金融企业也在不断探索适合自身发展的经营模式.通过对国内外金融业混业经营模式以及发展历程的研究,结合我国金融业发展的实际情况,对金融业混业经营的利弊进行了分析,提出应采取渐进式战略,根据经济发展与金融业自身的现状逐步引入混业经营的对策建议.

With the deepening of economic globalization and degree of integration, the tinancial enterprises of various countries have become more competitive, the mixed operation of finance has continued to strengthen in the major developed countries of the world especially after the outbreak of the global financial crisis. The financial enterprises of our country also constantly explore a suitable development mode of operation. Through the research on the mixed operation mode and development process of the domestic and foreign financial industry, combined with the actual situation of the development of Chings financial industry, the analysis on the advantages and disadvantages of mixed operation of financial industry, we should take the progressive strategy based on the present situation of economic development and financial industry itself and gradually introduce countermeasures for mixed operation