对中国金融分业经营体制的评价

中国金融分业经营体制的形成反映了特定历史时期管理层对金融安全的关切,也是符合我国金融业实际的理性选择,这一过程与主要市场经济国家金融业发展的起始阶段基本一致.但由于分业经营在效率方面的损失以及由此带来的更高层次上的风险,它必然要为混业经营所取代,但这种取代不是在现在,而是在将来,过程应是渐进的.

Analysis for the Divided Trade Conducting System of Chinese Financial Field

The formation of the divided-trade conducting system reflects the concern from the managing leaders to the financial security in specific historic period, which is also a reasonable choice in accordance with the reality of Chinese financial field. This process is basically consistent with the beginning stage of the development in financial field of main countries who build market economy. But because of the loss caused by the divided-trade conduct in terms of the efficience and the higher risks coming from it, it is expected to be replaced by the compound-trade conduct. And we all know the replacement can only take place in the future not now. The process can be carried out bit by bit.