中国金融业混业经营趋势及风险分析

开放的国际环境中，金融市场上的竞争，既是企业之间的竞争，更是不同体制的竞争。在金融服务综合化大行其道、混业经营已成主流的当今世界，我国的金融业虽说仍在分业经营的制度框架内运行，但银行、证券、保险诸业之间，已建构起多种形式的业务合作关系，初步形成了金融混业经营的态势。加快我国金融改革，尽快实现真正的金融混业经营，是一种历史的必然选择。受各方面条件制约，我国当前宜组建金融控股集团；同时，还应加强金融监管，建立严密的金融风险防范体系，以提高我国金融机构的竞争力，确保我国的金融安全。

Analysis of Chinese financial industry''''s trending towards mixed management and its risks

The competition in financial market is not only that between enterprises but also that between diferent systems in the open international environment.In the current world in which totalization of financial service and mixed management are the main trends various forms of business cooperation have been established between banking,securities and insurance and the initial trend of mixed management of finance has come into being in Chinese financial industry although it still operates under the system of divided management.It is the inevitable choice of history to speed up financial reform and realize real mixed management of finance.Restricted by various factors,setting up financial proprietary group is suitable for China.In the meantime,financial supervision should be strengthened and close prevention system of financial risks should be established in order to enhance the competitive power of Chinese financial institutions and guarantee the financial safty of our country.