《金融服务现代化法》弱影响的实证分析——基于美国金融控股公司发展视角  

作　　者：鲁明易[1] 

机构地区：[1]南京师范大学商学院

出　　处：《国际金融研究》2005年第3期29-35,共7页Studies of International Finance

摘　　要：1999年11月12日,被视为美国金融服务业转折点的《金融服务现代化法》经克林顿总统签署成为正式法律。该法案废除了1933年《格拉斯-斯第格尔法案》中关于禁止金融业混业经营的条款,允许银行、证券公司和保险公司以金融控股公司的组织形式相互渗透。本文简要回顾该法的重要条款并通过对《金融服务现代化法》颁布五年来金融控股公司的混业经营行为及绩效的分析来说明该法对美国金融业并未构成像人们普遍预期的那样强烈影响。The former U S President Clinton signed into law the Gramm-Leach-Bliley Act on November 12, 1999, which was regarded as a watershed event in the financial services industry It repealed certain sections of the Glass-Steagall Act of 1933, which generally prohibited the commingling of the banking, securities, and insurance industries and allow them to enter into each other's businesses via the form of Financial Holding Company (FHC), which was created by the Act The paper first briefly reviews some of the highlights of the Act, and then analyzes the extent to which FHCs are engaged in securities underwriting and dealing, insurance underwriting, insurance agency activities, and merchant banking under the Act five years after its passage And through the analysis of the performance of FHCs, the author intends to prove that the impact of the Act is not as great as expected

关 键 词：金融控股公司 混业经营 金融服务 金融业 银行 现代化 美国 条款 克林顿总统 普遍 

分 类 号：F832[经济管理—金融学] F830