全金融应成为中国金融业未来的主导运作形态  

All-finance Should Be the Main Form of Operation in the Future of Financial Industry in China

作　　者：张宁[1] 

机构地区：[1]中山大学管理学院,广东广州510275

出　　处：《当代财经》2003年第6期32-37,共6页Contemporary Finance and Economics

摘　　要：中国金融业未来的主导运作形态既不是国外正在兴起的金融混业经营模式,也不是一般意义上的银、券、保合作形式,更不是保持目前的分业经营的现状;而是不打破金融分业经营体制的中国特色的全金融模式。全金融是世界金融运作的最新的高级形态,是比全能制银行和银保融通更高层次的、以虚拟企业方式为组织形式的、以金融一体化为体制基础的、以实现金融产品的彻底个性化为根本目的的金融新形态。它既是金融运作机制(体制)创新,也是金融产品创新,还是金融市场需求创新。中国应创造条件,积极建立中国特色的全金融运作模式,开发中国特色的全金融产品。The oriented form of financial operations in the future China is neither universal banks of developed countries,nor the general cooperation between banks,insurers,and brokers,even more nor keeping financial separation;it is all-finance operation model with Chinese characters based on financial separation system.All-finance is the modern form of international finance operation,its level is higher than all-round bank and the mixture of bank and insurance,it has fictitious form,its system basic is finance integration and its purpose is to realize the characteristics of finance products.All-finance is the innovation of finance operation system,finance products and finance market.China should establish all-finance operation system with Chinese characters and develop all-finance products with Chinese characters.

关 键 词：全金融 金融运作模式 全金融产品 主导形态 中国特色全金融 

分 类 号：F832.0[经济管理—金融学]