分业经营与混业经营：我国银行业经营体制探讨

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1、箔四部分提出了混业经营模式是我国银行业经营体制的未来发展方囱。我墓走悫漫垃经营静动霹是：整雾经济全球化的趋势翘参与星际竞争的要求；金融业日渐成熟，欲进～步快速成长的要求。实行混监经营取决予三个方蓄酶条件：一是较为充分瓣商场竞争条件；二是银行自身有效的内控约柬机制；三是高水平的金融监管能力。具备了这些条件，才可以实行满泣经营。放分盘经蘩淘溺照经营过渡，黧际上有三种模式：第一种是全面放开不同金融行业之间业务交叉的法律限制，发展全能银行的德国、瑞士模式；第二种是允许金融视构投资组建灏的公司从事其它金融

2、行业业务的日本模式；第三种是允许跨行业金融机构共同组建金融控股公司来实现相同业务的合并的欧洲和美莺模式。我国适会哪一耱模式咙?通避对我鬣金融监管当髑宏观监管能力和金融市场主体的成熟程度的分析，认为组建金融控股集团悬适台我国謇蒋静模式选择。在确寇了我黧应采取静混曼经营模式蜃，接着探讨了由分业经营向混业经营过渡的过程中应注意的问题：金融控股公司的立法、金融监管视稍酶完善、金簸梳构经营梳嗣酶改革、翎造金融集团的运作环境和遵循先试点厝推行的原则等问题。‘关键词：分业经营混业经截银行制度AbstractT

3、hewavesoffinaneialfreedomsweptwesternbankingindustryattheendof70sandthebeginningof80s．Allbankinginstituteshadbeguntheirdiversifyinghistoryfromthenonandtheyconvertedtheirbusinessmodulefromthesinglebusinesstothenlultibusiness．．Theirbusinesscoveredstock

4、sharetrading．Therewasatrendoffinancialfreedomandglobalizationinbankingworld．ThebankinginstitutesinWesternEuropeandJapanhasbrokendownthetraditionalbarriersfortheindustry．Thetrendofdiversificationcouldbeeasilyobserved．Thefreedomhasproceededfasterthanev

5、erbefore。InNovemberof1999，thesigningof‘the1awonfinancialservice’indicatedthatpioneersofsingle—basedmoduleanditsfollowershadtodisregardthisregular．AstheproceedingofChinajoiningWTO，tobeasinglebusinessormultibusinesseshasbecomeahottopicinbankingindustry

6、inChina．HowtochooseamechanismadaptingsomeforeignexperiencetofitinChineseeconomicreality?Howtomanagethetensionbetweenthepresentandfuturedemand?Howtoselectabetterevolutionary"road?Therearehugeamountofargumentsaboutthosequestionsinbankingindustry．Thisdi

7、ssertationstartstoreviewtheevolutionaryhistoryofbankingmechanism．Thestatus—quaandtrendwillalsobeanalyzed．Startingfromliteraturereview,theemphasiswillbefocusedonexploringofbankingmechanism．Inaccordancewiththestatus—quaofChinesebankingindustry，itwillco

8、ncludethatsinglebusinessissuitablechoiceforChinesebankingmechanismatpresentandmultibusinesseswillbeoffuturetrendThisdissertationconsistsoffourparts+Thefirstpartintroducesevolutionary"historyofbankingindustryinUSA，Japan，UKandGerman．Itwillprovideinsigh