论我国商业银行混业经营发展路径

On Development Path of Commercial Banks' Mixed Operation in China

随着全球经济一体化和自由化浪潮的进一步高涨,科学技术更新加速金融脱媒,以及国内外经济下行周期给商业银行带来了诸多挑战,本文通过回顾我国商业银行混业经营的发展历程,分析国内外金融环境现状,指出其混业经营发展缓慢的原因,探索商业银行业务转型的应对策略以及保障措施,为商业银行的经营管理实践提供参考。

As the global economic integration and liberalization boom further,the update of science and technolo-gy speeds up the realization of financial disintermediation,as well as the economic downturn domesticly and abroadbrings challenges for commercial banks. By reviewing the development process of the mixed operation in commercialbanks in China and analyzing current domestic and foreign financial environment,the paper points out the reasonsabout the slow development of the mixed operation and explores the coping strategies and safeguard measures of busi-ness transformation to provide a reference for the operation and management of commercial Banks.