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目前,我国的金融业实行分业经营。但是,随着中国加入WTO,金融业与国际惯例接轨是大势所趋:大量的外资金融机构必将进入中国的金融市场,而这些金融机构大多是全能型的。它们必将利用其雄厚的资本、先进的技术、多样化的服务形成竞争优势。这就要求我国的金融业必须走混业经营的道路。建立金融控股公司是我国金融业混业经营模式的选择无论是实行混业经营还是分业经营,金融业均要受特定的环境、背景及条件限制。分业与混业
At present, China’s financial industry is divided into separate operations. However, with China’s accession to the WTO, the integration of the financial industry with international practices is the general trend: a large number of foreign-funded financial institutions are bound to enter China’s financial markets, and most of these financial institutions are all-powerful. They will use their abundant capital, advanced technology and diversified services to form a competitive advantage. This requires that China’s financial industry must take the road of mixed operation. The establishment of a financial holding company is the choice of the mixed operation mode of the financial industry in our country. Whether it is a mixed operation or a separate operation, the financial industry is subject to certain circumstances, backgrounds and conditions. Separation and mixed