商业银行的分业经营与混业经营体制分析

各国的商业银行从经营体制上看 ,有全能银行制 (混业经营 )和分离银行制 (分业经营 ) ,两种经营体制各有其利弊 ,但混业经营模式相对于分业经营模式有更大的优越性。面对入世的需要 ,顺应国际银行业发展趋势 ,稳步实现从分业制向混业制的过渡 ,是我国金融业应该思考并立即付之实践的问题

On Analysis of the Segregated And Mixed Systems in the Commercial Banks

There are two operation systems in the world: the universal banking operation system (mixed operation system) and segregated banking operation system (departed operation system). Although both systems have their own advantages and disadvantages, the mixed operation model is superior to that of the departed one. After the accession to WTO, the Banks should develop according to the trend and transit steadily from the segregated model to the mixed one, which should be contemplated by the financial industry and put into practice without hesitation.