金融分业架构中的银证银保合作

中国加入WTO，意味着中国金融业对外开放的程度将不断加强，所面临的国外金融业的竞争将更加激烈，这就要求我国金融业的发展也必须紧跟国际金融业的步伐，将混业经营作为未来发展的方向．但目前分业经营是我国的制度选择。因此，现阶段我国应在现有分业经营制度下最大程度的开展银行、证券、保险之间的合作，加强研究学习，实施产品创新、完善信息交流，并探索新的服务模式。

Bank & Bond Cooperation,Bank & Insurance Cooperation in the Structure of Divided Trade in Financial Field

China joined in WTO, which means that the opening extent of Chinese financial field will become bigger and the competition against foreign financial field will get more intense. The situation requires Chinese financial field to follow the development of foreign financial field closely and look on compound trade as the developing trend in the future. But at present time divided trade conduct is chosen by Chinese system. So now we should mount maximum cooperation among bank field? bond field and insurance field under present system of divided trade conduct. We should study harder?create more new products?consummate the exchange of information and explore new service pattern.