全球金融混业经营背景下我国金融业综合经营问题研究  

A Study on the Financial Integrated Operation in China under the Background of Global Financial Mixed Operation

作　　者：李连芬[1] 

机构地区：[1]中国社会科学院数量经济与技术经济研究所,北京100732

出　　处：《当代经济管理》2016年第5期77-82,共6页Contemporary Economic Management

摘　　要：当前,金融业综合经营已经逐渐成为全球金融业发展的主流方向。全球金融业综合经营主要包括两种模式,即全能银行模式和金融控股公司模式。我国必须准确把握全球金融业发展趋势,正确认识金融业混业经营的必要性。金融业综合经营是一把双刃剑,在提高金融业核心竞争力的同时,也会导致增加监管难度甚至导致监管真空、金融业务之间利益冲突等负面影响。为保障我国金融业综合经营的有效实施,需要在选择合适的综合经营模式的基础上,采取建立金融监管协调机制、制定《金融控股公司法》等措施。At present, the mixed operation of the financial industry has gradually become the main development direction of the global financialindustry. There are two models of the global financial mixed operation, namely the universal banking model and the financial holding companymodel. China must accurately grasp the development trend of the global financial industry , and correctly understand the necessity of financialmixed operation. Financial mixed operation is a double edged sword, which could improve the core competitiveness of the financial sector, and also lead to increase the difficulty of monitoring even lead to regulatory vacuum, the interest conflict between financial services. To ensure the effective implementation of the mixed operation of China＇s financial industry, it is necessary to take measures, such as the establishment of financialsupervision and coordination mechanism, the development of the ＂Financial Holding Company Law＂ on the basis of choosing an mixed operationmodels.

关 键 词：演金融业综合经营 全能银行模式 金融控股公司模式 金融监管 

分 类 号：F830.3[经济管理—金融学]