我国银行业实行混业经营存在的法律问题及对策

在国际银行业混业经营的发展趋势下,我国目前采取分业经营体制的银行业向混业经营体制转变已是大势所趋。鉴于目前我国金融领域存在着金融机构产权不明、金融监管法律法规体系不健全、各监管主体之间缺乏合理有效的协调机制及金融机构信息披露制度不完善等诸多问题,应通过改革金融机构的产权结构、健全金融监管法律体系,加强各监管主体之间的协调及建立金融机构强制信息披露制度等措施来确保银行业混业经营的实现。

On the Legal Issues and its Countermeasures of the Universal Banking in China

Under the developing trend of universal banking in international banking, China's separated banking system should be replaced with universal banking system. However, there are so many legal problems exist in China's financial field, such as the vagueness of property rights in financial institutions, the unsoundness of the law of financial regulatory system, the lack of corporation between regulatory institutions and the inadequacy of information disclosure system and etc. So we must take effective countermeasures to ensure the implementation of universal banking in China.