WTO后中国金融业开始混业经营的时代

2001年12月11日,历经15年的艰辛谈判之后,中国正式加入WTO.从此,中国金融开放被规定了时间表和加速度,中国金融业全面开放的时代已经到来.到2006年,随着5年过渡期的结束,从事混业经营的外资金融机构将全面进入我国的金融领域,他们凭借其在信息共享、全面服务、融资便利等方面的优势,势必会对从事单一金融业务的我国银行、证券、保险、基金等金融机构造成极大的冲击和压力.面对临近的金融业激烈的竞争局面,中国金融业要想提升自己的竞争力,就必须进行制度上的创新,由分业经营走向混业经营,开始中国金融业混业经营时代.本文通过对金融经营模式的国内外历史考察,分析了金融混业经营的推动力,参照国外模式,从我国实际出发,提出了我国金融业走向混业经营的政策建议,对国有商业银行上市后的经营战略选择具有一定的参考意义.

After WTO, Mix-business Start in the Chinese Financial Industry

Experiencing successive 15-year negotiation ,China became a formal member of WTO on Dec. 12,2001. From then on ,the opening of Chinese finance is ruled by a timetable with acceleration .Particularly ,as the end of the 5-year transition periods ,the foreign financial institutions which engage mix-business will completely enter the financial field of our country. Rely on their advantages in information-share ,entire-service and financial convenience ,the foreign financial institutions will strongly influence the Chinese banks .security companies ,insurance companies and fund companies .Facing the strong-competition surroundings ,if the Chinese financial industry wants to promote its competitive ability , it must set about to mix -business by altering its creation system and its simple-business .This will have some certain meanings for the operating strategy of our state-owned commercial bank in the future .