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| | The development trends of American finance have a significant influence on the global finance.Based on the retrospect and prospect to the development course of American finance since 19th century,this article divided the American finance into three models:19th century mode1,20th century model and 21st century model.Through the analysis to the three models,the article points out that China′s finance innovation and device should face the 21st century,and that open,competition and stability would be the basic ... | | 美国金融业的发展方向对世界金融业具有举足轻重的影响。本文通过对美国1 9世纪以来金融发展历程的回顾和展望 ,把美国的金融发展分为三种模式 :1 9世纪模式 ,2 0世纪模式 ,2 1世纪模式。通过对这三种模式的分析 ,提出了我国金融改革与设计应该面向 2 1世纪 ,开放———竞争———稳定将是 2 1世纪中国金融模式的基本特征。 | | 文摘来源 | | It is the general trend that fiancing trade develops from seperation to universal banking,which is beneficial to security and the improvement of efficiency. However,owing to the paticularityot system,function and structure under Chinese financial mode,both seperation and universalbanking are demanded to hedge against financial risks and improve efficiency.The essential conditionsfor seeking stable ways from separation and universal banking include knowing about the fundamentalpurpose of universal banking,re... | | 金融业从分业向混业发展乃大势所趋,分业利于安全,混业利于效率。然而在中国金融模式下,由于制度前提、金融职能、产权结构的特殊性,使分业和混业都有防范金融风险和提高金融效率的双重要求。明确混业的基本目的、结合一系列金融制度改革、进行金融监管创新等,是分业平稳走向混业的基本条件。 | | 文摘来源 | | It is the general trend that financing trade develops from separation to universal banking. The segmented financial sector shows positive influence on financial development. The cooperation between commercial bank, investment bank and insurance company avails to the whole financial system in improving efficiency. However, the cooperation needs safeguard from the innovation of financial supervision. | | 从分业到混业是金融体制的顺势变迁,在中国金融模式下,分业制对培育金融职能曾有积极的意义。开展银证保合作有利于提高整个金融系统执行金融职能的效率,但需要金融监管创新来提供安全保障。 | | 文摘来源 | |   | | << 更多相关文摘 |
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