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银行与证券分业管理的问题讨论多年了,1995年国务院有关文件还专门做了要求,但是实施结果却不如人意。从银行已有的证券机构来看,有的效益好,自己不肯“嫁”,有的家底差,券商不愿“娶”,两方相峙,使分业管理迟迟不前。如何看待这一问题,我认为,有几点是值得商讨和注意的: 一、分业管理是不是证券与银行的唯一选择? 判断一种金融管理体制的好坏与否,关键是要看其能否促进金融业有序高效地运转。在市场经济中特别要把怎样通过分业管理促进银行与证券的规模经营、公平竞争、减少风险、提高效益,作为我们思考问题的出发点,而不能把它仅仅当作行业进入的壁垒,应根据一定时期的金融状况来定。对于银行与证券的分
The issue of bank and securities division management has been discussed for years. In 1995, relevant documents of the State Council made special demands, but the implementation results were unsatisfactory. From the existing securities institutions of the bank, some have good returns, they refuse to marry, some are not good at home, and brokers are reluctant to marry, and the two sides stand side by side and delay the division of management. How to think about this issue, I think, is worth discussing and paying attention to: First, the separation of management is not the only choice for securities and banks? To determine the quality of a financial management system or not, the key is to see its Can we promote the orderly and efficient operation of the financial industry? In particular, how to promote the scale management, fair competition, reduce risks and increase profits of banks and securities through specialization in market economy should be regarded as the starting point for our thinking, rather than merely considering it as a barrier to entry by industry Certain period of the financial situation to be. For banks and securities points