中国金融业的合业经营及其立法建议  

Financial Unit Service and Legal Suggestion

作　　者：刘兴华[1] 

机构地区：[1]山西大学经济与管理学院,山西太原030006

出　　处：《山西青年管理干部学院学报》2003年第4期31-32,共2页Journal of Shanxi College For Youth Administrators

摘　　要：我国金融业自实行严格的分业经营以来,已暴露出许多问题,如银行业的业务范围和盈利空间越来越小,保险业已无法满足其理赔和业务支出的需要,证券业的违规操作又普遍存在等。在当今全球金融合业的态势下,我国也应顺应此趋势,做相应的改革:在立法上取消有关分业的严格限制;鼓励金融机构进行业务创新;监管体制上采用分业监管为主并相互协调。Many problems have been found since unit service was strictly practised. For example, depository institutions have smaller and smaller space in business and benefit, insurance industry has not fulfilled its work and many people often break law in security markets. So, in the globalization of financial markets, we should reform the current system:we should abolish the regulation of unit service,and stimulate financial institutions to practise financial innovation. In the meanwhile, every financial institution should be supervised by its supervision and coordinate with each other.

关 键 词：中国 金融业 合业经营 立法建议 分业经营 金融法律体系 经营模式 

分 类 号：F832.1[经济管理—金融学] D922.28[政治法律—经济法学]