分业经营

• Since 1993 , especially the promulgation of commercial bank act 1995 , china has carried out the strict separation operation of commercial bank and security corp
  我国金融业自1993年以来，尤其是1995年的《商业银行法》颁布以来一直实施严格的分业经营制度。
• Due to the unit - management model of banks and insurance companies as well as securities institutions , our banks possess much more single functions than those foreign ones
  纵观中国金融业，银行、保险、证券的分业经营，使我国银行的功能较国外银行单一。
• The financial supervision in foreign countries passed the processes from financial industries managed and supervised respectively to these industries managed and supervised overall
  摘要国外金融监管经历了从分业经营、分业监管到混业经营、混业监管的变革。
• Today , blended banking system has regained its mainstream dominance of commercial banking in the global markets , while fragmented banking is still the norm in china
  在混业经营又重新成为主流的情况下，依然实行分业经营的中国何去何从就显得格外引人注目。
• The banks , security firms and insurance companies have been required to operate separately since 1993 in china . this was certainly reasonable at that time
  我国于1993年开始实行银行、证券、保险的分业经营制度，这是符合我国当时金融业实际情况的一种正确选择。
• Therefore , the pattern differentiated management must be broken , and a series of counter - measures to realize gradually the pattern of comprehensive management must be taken
  因此，要在打破单一分业经营模式的同时，采取一系列应对措施，逐渐实现从分业到综合的经营模式。
• One of them is originated from the external reasons , such as the unit - management restriction on chinese financial industry and the lack of regular individual credit system
  一类是鉴于银行外部原因，主要是由于我国目前金融业分业经营体制的限制和缺乏规范的个人信用制度所形成的问题。
• Many problems occurred in china after the differentiated manaeement has been taken in finance industry more than 10 years , which is hard to adapt to the new situation of financial field opening now
  中国推行10多年的金融分业经营已凸现诸多问题，无法适应金融业对外开放发展的新形势。
• Facing with the changes of the international and civil economical environments after entering wto , our commercial banks should start to transform from separating - operation to multi - operation
  面对加入wto后国际、国内经济环境的变化，我国商业银行应该启动由分业经营到综合经营转变的步伐。