国内金融混业经营模式选择及其风险防范分析  

Analysis of the Domestic Financial Mixed Mode Selection and Its Risk Prevention

作　　者：翟义波[1] 

机构地区：[1]天津银行,天津300201

出　　处：《金融发展研究》2015年第1期60-65,共6页Journal Of Financial Development Research

摘　　要：当今国际金融行业的主流是混业经营,而国内依然实行分业经营。面对国际化金融的竞争压力以及金融创新的要求,国内金融业混业经营将是大势所趋,国内金融行业也部分地进行了实质上的混业经营。本文通过对国内外金融经营模式的变迁历程、金融混业经营的优势及混业经营的模式等进行了分析,认为混业经营在具有天然优势的同时,其风险更趋复杂,风险易于传递和扩散,风险叠加与累积等因素容易引起系统性金融风险,影响金融稳定性,并对国内金融业混业经营从宏观和微观等层面提出了风险控制与防范的对策建议。The mainstream of the international financial sector is mixed, while the domestic is still practiced sepa- rate operation. Faced with competitive pressures of international finance and financial innovation requirements, the do- mestic financial sector will be mixed sooner or later. In fact, the domestic financial industry has also carried out a sub- stantial part mixed. Mixed Financial has a natural advantage, but at the same time its risk is more complex. This paper focuses on domestic and international financial business model changes course, the advantages of financial mixed and mixed patterns were analyzed. We believe that in mixed operation, the risk is easy to transfer and diffusion, as well as risk factors such as superposition and prone to accumulate systemic financial risks, will impact financial stability. The paper also puts forward some countermeasures and suggestions for risk prevention and control to domestic financial mixed operation.

关 键 词：混业经营 风险防范 金融业 

分 类 号：F830[经济管理—金融学]