国际金融业的混业趋势与中国金融的分业体制

【作者】 寇川；

【导师】 晏艳阳；

【作者基本信息】 湖南大学 ， 金融学， 2003， 硕士

【摘要】 随着世界经济一体化的发展，分业经营的金融运行模式受到了强烈的冲击，西方一些国家逐渐适应混业经营的潮流，放弃了分业体制，实现了由分业向混业的体制转变。国内的金融业也出现了事实上的混业经营，这对我国现行的金融体制构成了压力。本文回顾了分业和混业两种金融运行模式的形成历史，考察了国际金融和中国金融实行分业制度的实践和现状，研究了金融运行的内在本质联系，指出分业经营是特定时期、特殊历史条件下人为干预金融的产物，尽管在一定的历史阶段在特定的政治、经济环境中有其合理性的一面，但实质上违背了资金融通的市场规律，在经济金融全球化、金融深化的新形势下，其弊端越来越明显，由分业模式向混业模式转换是金融发展的必然选择；金融监管部门应审时度势，建立有弹性的金融监管体系，以满足在混业经营条件下的监管要求；在目前中国金融监管力量仍然相对薄弱、监管手段相对落后、金融机构内控外控机制尚不完善的情况下，尽管分业经营体制仍有其继续存在的必要性，但面国际金融业的混业趋势和国内金融业的混业压力，监管层也应及时地有意识、有计划、有试点地积极推动中国金融业混业经营的发展，以应对国际金融竞争的压力，适应金融对外开放的需要。更多还原

【Abstract】 Along with the globalization of the world economy, the separated banking operation system is greatly affected. Some western countries have gradually given up this system and transformed to the mixed banking operation system in order to adapt to the business-consolidated trend. The mixed operation trend actually occurs in domestic financial industry, thus exerts pressure on our current banking system. This essay reviews the history of the two banking systems, investigates the practice and the current situation of the separated banking system in the world and in China, and studies the essence of finance. Then it indicates that the separated banking system results from the man-made interference in finance in a special period of time and special historic situation. Although there are some rational factors in this system in some special period of time and in some political and socioeconomic environment, but in substance it goes against the rules of finance operation. In the course of economy globalization and financial deepening, the defects in the separated banking system are becoming more and more evident. Thus the transformation from the separated banking operation mode to the mixed banking operation mode is a necessary option. The supervisory sector ought to establish opportunely a flexible supervising system to meet the requirements of banking supervision in a situation of mixed banking operation. In China, the existence of the separated banking system is still necessary with the current weak financial supervising strength and the faulty internal control & external control system of domestic financial institutions. However, the supervisory sector should timely and orderly promote the development of banking business-consolidated trend by adopting plot-experimental method in order to deal with the competition from foreign financial institutions and meet the demand for the banking system’s opening-up to the world.更多还原