我国金融混业经营必然性的制度分析

The Institutional Analysis of the Necessity for Mixed Operation in the Chinese Finance

我国现行分业经营制度处于非均衡状态,这就产生了金融业经营制度变迁的客观必然性和推动力。混业经营制度在当今开放条件下的优越性,则构成了我国金融业向混业经营制度转变的吸引力。而现实中,我国金融业也存在对混业经营的制度需求和若干制度安排。因此,从长远趋势看,混业经营将是我国金融业经营制度变迁的必然方向。

The current separate operating system in the Chinese finance is in disequilibrium, which produces the objective necessity and driving force for changes in the operating system. The superiority of mixed operating system under the current open-economy circumstances constitutes the attraction of the transformation to mixed operating system. In reality, there are institutional demand and some institutional arrangements for mixed operation. In view of the long-term trends, therefore, mixed operation will be the inexorable direction of the changes in the operating system of the Chinese finance.