美国金融制度变迁溯源及其思考

通过美国金融制度变迁的溯源发现，无论是混业经营制度还是分业经营制度，作为一种金融制度本身都应当适应经济金融发展的内在要求，并依赖于一国特有的制度变迁路径安排。从美国“混业经营——分业经营——混业经营”发展的历史可以看出：混业经营的真正实行不是一蹴而就的，而是一奈漫长的道路，当然又是一种必然的趋势。

Tracing to the source and Changes of American Financial Institution and Some Thoughts on them

It＇s found by tracing the source and changes of American financial institution that a financial institution itself should adapt to the internal requirement of economic and financial development, and that the institution depends upon the institution-evolution path arrangement with the country＇s own feature, no matter in blending operation institution or in division operation institution. From the history of the. U. S.A. ＂blending operation-division operation -blending operation＂, we can see that the true realization of blending operation is not accomplished in one night but a long way to go, of course, it＇ s an inevitable tendency.