金融混业的动因及模式研究

A Research on the Dynamics and Modes of Universal Financing

随着我国金融市场的开放、利率的市场化和金融管制的放松 ,混业经营将是金融自由化的必然趋势 ,而在我国现阶段 ,实现金融混业的最佳模式是采用金融控股公司 ,这种模式所带来的社会震荡最小、制度变革成本最低、综合效益最高。

With the opening of financial market in China, marketization of interest rate and relaxation of financial regulation, mixed financial operation will become a trend towards financial liberalization. At the current stage the best mode of mixed financial operation is the adoption of financial shareholding company. This mode will bring the least social turmoil, lowest system reform cost and the highest comprehensive benefits.