金融全球化浪潮冲击着传统的分业经营、分业管理体制。
The globalization of finance has changed the traditional way of separate business operation and management by different lines of work.
过时的分业经营曾使我们无法为客户提供联邦保险银行帐户。
Outdated barriers had always prevented us from offering our clients a federally insured bank account.
第六条证券业和银行业、信托业、保险业分业经营、分业管理。
Article 6 Securities business shall be engaged in and administered as a business separate from the banking business, trust business and insurance business.
第六条证券业和银行业、信托业、保险业分业经营、分业管理。
Article 6 The securities industry and banking industry, trust business and insurance industry shall be put under separate industry-wise management and separate industry-wise administration.
分业经营还是混业经营，一个争论的焦点就是风险和效率的问题。
The controversial focus about segregate management and mixed management is risk and efficiency.
本文对金融业的分业经营与混业经营模式的利弊进行了比较分析。
This paper compares and analyses the advantages and disadvantages of specialized and mixed business modes in finance.
一国采取分业经营还是混业经营，应与该国当时各方面的条件相适应。
Whether a country should adopt separated operation or mixed one should depend on the conditions of the country at that time.
一国采取分业经营还是混业经营，应与该国当时各方面的条件相适应。
Whether a country should adopt separated operation or mixed on should depend on the conditions of the country at that time.
国际上商业银行的经营制度主要有两种，即分业经营制度与混业经营制度。
There are two systems of financial institution operation in the world: separated operation and mixed operation.
从某种意义上讲，金融业由分业经营到混业经营是一种制度选择和制度变迁现象。
In a sense, financial industry's transition from separated operation to integrated operation is a kind of phenomenon of institutional choice and institutional change.
但我国却实行“分业经营，分业监管”的政策，在原则上禁止商业银行开展混业经营。
However, China adopts a policy of "separate operation and separate supervision" which in principle prohibits Banks' mixed activities.
1995年《中华人民共和国商业银行法》颁布实施，我国明确了金融业的分业经营。
The enacting and implementation of the Law of the People's Republic of China on Commercial Banks in 1995 established the divided operation of the financial industry in China.
在金融一体化和金融自由化的国际形势下，混业经营体制取代分业经营已成为一种时代潮流。
In the international situation of financial integration and liberalization, mixed operation system to replace divided operation system has become a trend of The Times.
实行金融分业经营的主要发达国家纷纷放宽对金融机构经营范围的限制，允许跨行业混业经营。
Many developed countries abolished the restrictions on the business scope of the financial institutions, permitted their entry into other financial services.
我国现行分业经营制度处于非均衡状态，这就产生了金融业经营制度变迁的客观必然性和推动力。
The current separate operating system in the Chinese finance is in disequilibrium, which produces the objective necessity and driving force for changes in the operating system.
合业经营与分业经营是世界上银行业采用的两种不同的经营模式，我国目前采用的是分业经营模式。
Joint operation and separate operation are two models of banking system in the world. At present, we are adopting the model of separate operation in China.
在金融全球化浪潮下，我国金融市场的分业经营、分业管理在很大程度上造成了市场分割与资源浪费。
In the tide of globalization of finance, the unity operation and unity management in our country's financial market results in the market segregation and resources waste to a great extent.
虽然在严格分业经营的大环境下，中国已经出现了银保合作、银证合作的尝试，总体上都没有增加风险。
China has appeared the attempt to cooperate between bank and insurance and cooperate between bank and security under the strict division in China, which now is not increase the risk.
对金融经营制度从分业经营到混业经营的经济学解释有风险效率假说、制度变迁供求假说、信息经济学解释等。
The theories that explain the finance operating institute change include risk and efficiency, demands and supplies of institute change and information based economics.
本文运用交易成本经济学及成本收益分析方法作为分析工具，论证了金融业由分业经营走向混业经营的内在必然性。
This paper discusses the inner inevitability of finance's switching from "Separated Run" to "Comprehensive Run" using transaction cost economics and cost-return approach as analysing instrument.
西方国家的金融业已由过去的分业经营演变为混业经营，而我国目前金融机构的竞争力在国内外的金融市场上根本无法与之竞争。
European fi-nance delivers from dispartted operation to mix operation. China finance institution couldn' t compete with European finance institution innational and international finance market.
我国现时的金融分业经营从宏观层面实现了金融帕累托效率，但从微观层面却有在新的层次进行金融帕累托改善和卡尔多-希克斯“补偿性原则”的空间。
The separation management in China's banking carries out the Pareto Efficiency in macro level but there remains space to improve the Pareto efficiency in micro level and compensatory principles.
当前在西方发达国家已基本完成了从分离型向综合型的过渡，我国的银行业经营体制仍完全采取分业制，无疑是一种现实的选择。
Western Banks have almost finished the transitional period from separation to synthesis. Banking operation system in our country is still following the separation system, out of the practical choice.
在混业经营中，统一监管相对于分业监管而言，具有明显效率优势，模型推演可以表明这一点。
Adopted models indicate that the integrated financial supervision takes an advantage in efficiency over the multiple supervision in the mixed operation of banking.
在混业经营中，统一监管相对于分业监管而言，具有明显效率优势，模型推演可以表明这一点。
Adopted models indicate that the integrated financial supervision takes an advantage in efficiency over the multiple supervision in the mixed operation of banking.
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