摘要
在金融自由化改革和金融创新的驱动下,混业经营在经济全球化、金融一体化中已成为一种趋势。随着我国金融业改革的深化和逐步开放,以及加入WTO后外资混业模式金融机构在效率与风险管理等方面带来的冲击,我国金融业呈现多元化、综合化的发展态势。虽然分业模式是我国目前的制度选择,但随着政策上对混业经营的放宽,我国银、证、保等金融机构间的合作交流已开始稳步运行,并出现几种符合自身特点,带有混业特征的经营模式。本文通过对美日德韩等国混业经营模式的案例分析,得出我国应借鉴美国金融控股公司模式的结论。同时我国要参照发达国家的监管经验,积极推进监管创新,建立健全符合我国国情的金融监管体系。
Driven by the financial liberalization and innovation, nowadays universal financial operation pattern has become a kind of leading trend under economic globalization and financial integration. Along with China＇s financial reform and opening up, as well as joining the WTO, Chinese financial industry presented a multiplex and integrated development momentum. Now there already have some cooperation and exchanges among banking industry, securities industry and insurance industry although separating banking system is still the institutional choice in China. Finally, based on the case study of some developed countries, the author proposes some suggestions for improving China＇s financial regulation system.
出处
《金融研究》
CSSCI
北大核心
2008年第9期188-197,共10页
Journal of Financial Research
关键词
金融业
混业经营
金融控股公司
功能监管
financial industry, universal financial operation pattern, corporate banks, consolidated regulation
