金融混业经营问题研究

Research on problems of mixed-business management of finance

本文认为 ,虽然美国目前已经实行金融混业经营 ,但是这并不等于说它就是大爆炸式的改革。其实 ,它实行的也是渐进式的改革。即使是现在 ,美国实行的也不是类似于德国的全能型银行 ,《金融服务现代化法》在某些方面对于金融机构的混业经营还是作了较为详细的限制性规定 ;中国早在 2 0世纪 90年代后期就已经开始推行渐进式的金融混业经营 ,只不过是法律并没有作出多少让步而已 ;中国实行渐进式的金融混业经营 ,可能的路径主要有两个 :一个是采取行政的手段推进混业经营 ;另一个是采取市场经济的手段推进混业经营。

America has taken the financial mixed business management, but it is not equal to an explosive reformation In fact, America has taken a gradual advanced reformation China can choose two paths to do a gradual advanced reformation of finance First, to use administrative means to move mixed business management; Second, to use market economy means to move it The latter has more positive role than the former