国内学者关于金融业分业经营若干问题研究述评

分业经营是银行业经营的一种基本模式。大多数学者认为,由于相关法规不健全、金融领域的监管还缺乏力度,内部约束机制还未真正得以建立,所以1993年前后中国必须实行分业经营。到2003年,中国金融业分业监管体系初步建成。分业经营对于规范中国的金融秩序,降低和化解金融风险发挥了重要作用。但是从长远看,分业经营只是一种权宜之计,随着金融机构风险管理能力和监管机构监管水平的提高,在规范经营和有效控制风险的基础上,应逐步放宽对混业经营的限制。

The Domestic Scholar's Study and Comment on Divided Financial Operation in China

Divided Financial Operation is one of the basic models in Chinese Banking Industry.Most scholars think that Divided Financial Operation had to be set up due to the imperfect relative law and regulation and the financial regulation as well as ineffective incentive and discipline mechanisms.When in 2003,the Divided Financial Operation financial-monitoring system in China was built up.The Divided Financial Operation is very important in making financial order standard and resolving China's financial risk.But in the long run,Divided Financial Operation is an expedient measure.With the increase of the ability and level of the regulation and based on the standardizing operation and the effective risk control,Mixed Operation should be relaxed step by step.