< wp = 4 > from the viewpoint of the current economy developing situation , social custom and institution environment , it demonstrates that the institution of separated running and management should be adopted in china ' s financial operation 认为从中国目前的经济发展状况及社会习惯和制度环境来看，中国金融业仍应实行分业经营、分业管理的制度。
Preface : fifteen years has elapsed since china commenced to make great effort to join the world trade organization ( wto ) , in order to strengthen its economy status in globalization tide 改革开放以来，我国一直致力于金融业的改革和发展，在银行商业化改革、发展融资市场、金融多元化方面取得了显著成就，并形成了一个分业管理体系下，较为完整的金融体制框架。
This text started with the status quo of financial conglomerates , analyzed the needs of supervision of them from both practical and academic points . then , more details and proper references related to supervision of financial conglomerates in eu have been studied 尤其在现阶段,我国实施的严格的分业经营、分业管理的金融体制对金融业混业经营的监管已存在多处空白。
Law and regulations such as law of commercial bank , insurance law and security law that are not adaptable to mixed operation must be revised , and rules on financial holding company and network - bank will be formulated and consummated 近期，在立法上应当取消现有法律中有关分业的严格限制，在监管上仍然坚持分业管理，并加强监管机关之间的协调；远期由统一的金融监管机关对以金融集团为主要形式的混业经营进行统一监管。
In 1989 , the government began to regulate the financial market , enacting a series of laws and regulations , setting up supervisory institutions such as ssc and isc and managing banking , security , insurance and trust sectors separately . the separated management of financial system has been basically shaped in 1998 我国从1989年开始对金融市场进行整顿，通过制订一系列法律法规，成立了证监会、保监会等监管机构，对银行业、证券业、保险业、信托业实行分隔管理，至1998年基本确立了我国的分业管理金融体制。
The author thinks that according to < commerciai bank law > and securities law > , stock firms , banks , trust firms and insurance agencies shall operate separately and be administered separately . stock firms , banks , trust firms , and insurance agencies shall be established separately . but this separate is not absolute 我国目前实行金融业分业经营、分业管理的模式，但这种制度并非要求绝对的分离，而是有限的分离，即法律允许金融机构依据具体情况在某些领域以某种方式进行适当的交叉。
The " separation system " , which came into being after the " glass - steagall act " , represents the separation of commercial banking , investment banking and insurance services . the " combination system " , which is just the opposite concept , has two meanings . one relates to the combination of financial services in the same legal person , while the other relates to the combination of shareholding rights of several subsidiaries providing difference services 与“分业”相对应的"混业"有两层意义：第一层含义是金融业务的混合、交叉经营，即业务的混业，典型的代表是德国的全能银行制； "混业"的第二层含义是金融控股权的混业，即在金融控股公司里有多个法人子公司，它们统一被控制在一个母公司之下，但彼此之间实行"分业经营，分业管理" 。
Such business comprises settlement , agency service , assure , acceptance , exchange and whatsoever would gain non - interest income for the bank . due to late in opening the business , confined by strict field management , and using an out - of - date servicing technology , development of " middle business " in china is remarkably restricted . the aftermath of this lag is low profitability and lack of domestic expertise 目前竞争的重点首先在中间业务：由于我国商业银行中间业务的起步较晚，科技服务手段落后，严格的分业管理等因素，使中间业务的发展受到了极大的限制，从业范围窄，创新能力差，金融产品单一，为市场提供智力服务而从中收取手续费为主的业务很少，由此带来的直接结果是盈利能力低且缺乏专业经验。
The main reasons for the sluggish development in china ' s national commercial bank ' s off - balance sheet business are five - fold : the system constraints from the separate business management , the restriction of business environment , the stagnant bank system ; the outdated management concept and lack of talent and technology 摘要我国国有商业银行表外业务发展缓慢的主要原因有：银行业分业管理的体制约束，经营环境的约束，银行体制改革滞后，经营理念陈旧以及专业人才和技术缺乏。
