我国金融业分业经营、混业经营的政策探析

入世,加快了我国金融业融入国际金融体系的步伐,面对国外金融集团强有力的挑战,一个不能回避的现实问题日益突显出来:我国金融业是坚持实行分业经营,还是实行混业经营.为提高我国金融业的竞争力,我们有必要对分业、混业进行政策辨析,分析我国现行分业经营合理性及弊端,探究我国金融业混业经营的必要性和可能性,借鉴国际金融业分业与混业的经验教训,并结合我国的实际,探索出一种具有中国特色的金融业经营管理体制.

A Policy Analysis of The Strategic Choice of Divided or Mixed Operations

The access to the WTO has accelerated China's pace to converge into the international financial system.In the face of the vigorous competition from international financial groups,one issue has become increasingly prominent;China's strategic choice between the mixed and divided modes of operation.In an effort to enhance the competitiveness of China's financial sector,it is necessary to explore into the pros and cons of divided operation as well as the necessity and possibility of adopting mixed mode of operation.International experience should be utilized in formulating apractical management system with Chinese characteristics for China's financial sector.