我国金融机构经营体制及发展趋势研究

我国金融机构经营体制及发展趋势研究

法学院法学专业11级1班吴薛雷20110766

指导教师：欧鲲

内容摘要：20世纪90年代以来，伴随着金融自由化和世界经济一体化的发展趋势，世界上的主要发达国家的金融体制逐渐放弃分业经营，转而投向混业经营。美国于1999年11月通过了《金融服务现代化法案》，这标志着混业经营模式已经在世界的金融经营体制中不可阻挡。与此同时，一些发展中国家也在发展经济的动力的驱使下，也在朝着混业经营的方向进行类似的改革。而我国目前实行分业经营模式，这就意味着我国要想取得在世界金融竞争中的优势，金融改革势在必行。我国对于国际金融市场做出怎样的举措，将直接影响我国金融业的未来发展。因此，本文从分析分业经营与混业经营的概念与发展历程，再到剖析这两种模式的利弊，据此分析我国当前分业经营的问题及实施混业经营的必要性与可行性，最后再对此提出自己的浅薄建议。

关键词：分业经营，混业经营，监管现状，可行性分析

Abstract: With the development trend of the financial liberalization and integration of world economy since the last decade of the twentieth century, most of the developed countries have been abandoning separated operation but pursuing the mixed operation. Since the United States had passed the Financial Services Modernization Act in November of 1999, symbolizing the mixed operation is irresistible in the global financial operation system. Meanwhile, some developing countries are also pushing forward to the reform of mixed operation on the drive of improving economy. But the majority of enterprises in China now, are in separated operation system, so that, the reform is imperative if we want to stand out in the fierce competition of global finance. Chinese government’s policy on international financial market will directly exerts great influence on the development of Chinese finance. Thereafter, this thesis analyzes the conception and development history of separated operation and mixed operation. Then it looks into the two sides of these two patterns providing a basis to reflect on the problem of the separated operation and the necessity and feasibility of carry out the mixed operation. Finally, it put forward its own superficial suggestions. Key words: Separated operation; mixed operation; current situation of supervision; the analysis of feasibility