金融混业的障碍因素及建议

中国加入WTO后,加速了国内金融体系国际化发展要求,金融混业是指银行、证券公司或保险公司在各自经营范围之外,彼此交叉经营对方的金融业务。对于从1993年以来一直是分业经营体制的中国金融领域急需注入混业经营的新动力,以迎接金融市场国际化带来的竞争急流。而基于中国现有的特殊背景,银监会的成立,仍不能有效的构建整个金融监管体系,防范金融风险。发展中国家金融混业仍是一个谨慎探索实行的过程。

Barriers in Combined Financial Services

Combined financial services are defined that banks, stock companies or insurance companies offer overlapping financial services besides their own scope. Offering combined financial services should be taken into account in China's specialized financial services system, which has been founded in 1993,so as to face the competition. Despite the founding of the Banking Supervise Board,China has not set up an efficient financial supervising system to prevent financial risks. Thus we should be cautious in the proceeding of developing combined financial services.