现代银行业的战略选择:混业经营

国际金融市场的高速发展、金融业务的自由化及金融市场的一体化使各国银行同业之间的竞争更加激烈。竞争的范围由传统业务扩展到新兴业务，竞争的空间也由国内拓展到国际，客观形势迫使银行业需要有更强的实力才能面对市场的竞争。于是，各国在世界经济一体化和高科技术的推动下，加速金融改革，实行金融自由化，放松了对金融业的管制，打破了对银行业经营地线的限制和分业管制，实行银行、证券、保险混业经营，使金融机构的运营逐步向全球化发展，提高银行的国际竞争力。

Stratagem Choice of Modem Banks: Mixed Operation Stratagem Choice of Modern Banks

The rapid progress of international financial market, the unrestricted and the union of financial operation bring about more serious competition among banks.The competition range has developed from the traditional operation to the new emerge operation, which comes with the competition sphere that has colonized from the internai to strengthen. All the conditions make banks strengthen themselves to challenge the change, so as to carry out unity finance, loosen the restriction of financial operation, destroy the range and operation restriction and practise bank operation, thus, securities insurance mixed operation has emerged to improve the banks' international competition.