推进我国银行业混业经营的对策探讨

世界上越来越多的银行走上综合化经营的道路。我国银行业正面临“入世”与全能银行的严峻挑战。全能银行有利也有弊，但大多数弊端可以通过科学监管予以消除。我国银行业应重点从产权制度改革、竞争环境培育、立法支持保障、综合监督管理以及银行自身完善5个方面入手，借鉴国际经验，趋利避害，为我国银行业的综合化经营铺平道路。

Policy Illumination from the Mixed Business of Western Banking

More and more banks in the world begin mixed business.Chinese banking is confronted with the challenges both from her entry into WTO and the universal banks.The universal bank carries many advantages as well as some disadvantages,but most of the disadvantages can be overcome through scientific supervision and regulation.Chinese banking should focus on reforming its property right,developing its competitive circumstances,supporting legislation,comprehensive supervision and management as well as perfecting itself.