综合经营：中国金融业的现实选择

我国金融业从分业经营走向综合经营，是迎接金融业开放挑战的现实选择。从美国、日本和我国台湾地区金融业综合经营制度的变迁中，可以看出其拥有许多共性。近年来，我国的银行业、证券业和保险业等开始突破分业经营的界限，通过以集团公司为主体的金融控股公司、以银行为主体的金融控股公司、战略联盟等模式开展综合经营。在当前的分业经营、分业管理体制下，应营造一个运作良好的制度环境，积极推进综合经营的发展。

Integration Operation: A Realistic Choice for China's Financial Industry

The tendency of China＇ s finance industry from segregation operation to integration operation is a realistic choice for receiving a challenge of opening finance industry. Much can be seen in common from the variance of finance industry integration operation systems in the U. S. A. , Japan, Taiwan area of China. In recent years, China＇ s banking, insurance and securities industries tend to break through the boundary of segregation operation, adopting such patterns as financial holding companies with group companies or banks as their main body, strategy alliance, etc. to carry out integration operation. Under the regime of segregation operation and segregation management at present, great efforts should be taken on pushing cooperation between banking, insurance and securities industries, adjusting and reforming finance legal rule system, working out an effective organization for integration operation, encouraging financial innovation in financial enterprises, improving regulatory ability of regulatory authorities, so as to push the development of integration operation.