混业经营:中国商业银行发展的必由之路

Operating Universally:The Only Way for the Development of Chinese Commercial Bank

分业经营在经济发展水平较低的时期对金融的发展具有一定的促进作用。然而 ,对现代金融来说它却带来了一系列的问题 :银行风险的恶化、竞争力的下降等。更严重的是 ,随着我国加入世贸组织 ,我国商业银行将面临更大的冲击 ,坚持分业经营无异于作茧自缚。摆在我们面前的路只有一条——混业经营 ,这是大势所趋。

It is proved that segregating banking system had did certain benefit to the developm ent of finance when the economy runs on a low lever,while it will bring a serious of problems to m odern finance,such as deterioration of bank's risk and decreasing of bank's com petitive ability. What's the worse is that,with the entrance of WTO,our com mercial bank will be faced with more serious hits,sticking to segregating banking system m eans wait for the dead. We have only one way to go:universal banking system ,which is the tendency of today.