摘要
20 0 1年 1 2月 1 1日 ,历经 1 5年的艰辛谈判之后 ,中国正式加入WTO。从此 ,中国金融开放被规定了时间表和加速度 ,中国金融业全面开放的时代已经到来。到 2 0 0 6年 ,随着 5年过渡期的结束 ,从事混业经营的外资金融机构将全面进入我国的金融领域 ,他们凭借其在信息共享、全面服务、融资便利等方面的优势 ,势必会对从事单一金融业务的我国银行、证券、保险、基金等金融机构造成极大的冲击和压力。面对临近的金融业激烈的竞争局面 ,中国金融业要想提升自己的竞争力 ,就必须进行制度上的创新 ,由分业经营走向混业经营 ,开始中国金融业混业经营时代。本文通过对金融经营模式的国内外历史考察 ,分析了金融混业经营的推动力 ,参照国外模式 ,从我国实际出发 ,提出了我国金融业走向混业经营的政策建议 。
Experiencing successive 15-year negotiation ,China became a formal member of WTO on Dec. 12,2001. From then on ,the opening of Chinese finance is ruled by a timetable with acceleration .Particularly ,as the end of the 5-year transition periods ,the foreign financial institutions which engage mix-business will completely enter the financial field of our country. Rely on their advantages in information-share ,entire-service and financial convenience ,the foreign financial institutions will strongly influence the Chinese banks .security companies ,insurance companies and fund companies .Facing the strong-competition surroundings ,if the Chinese financial industry wants to promote its competitive ability , it must set about to mix -business by altering its creation system and its simple-business .This will have some certain meanings for the operating strategy of our state-owned commercial bank in the future .
出处
《中央财经大学学报》
CSSCI
北大核心
2004年第3期33-36,共4页
Journal of Central University of Finance & Economics
关键词
混业经营
推动力
模式选择
混业监管
Mix-business The push’s power Selective modes Supervise of mix-business
