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1999年11月12日,美国《金融服务现代化法案》获得签署,该法案在第一条就明确指出将取代《格拉斯——斯蒂格尔法》,法案的通过意味着在美国实行了70年,并对世界金融格局产生了重大影响的金融分业经营制度将走向终结。但是一段时期以来关于银行业与证券业的分业与融合问题,不仅在理论上存在着争议,现实中不同国家及其在不同发展阶段也有不同模式,有以德国为典型的全能银行业,也有以美、日为代表的分离型银行业。如何借鉴国外经验,结合我国的国情,理性地选择适合于我
On November 12, 1999, the U.S. “Financial Services Modernization Act” was signed. The bill clearly stipulates in the first article that it will replace the “Glass-Steagall Act.” The passage of the bill means that 70 Year, and has had a significant impact on the world financial structure, the financial separation management system will come to an end. However, the issue of the separation and integration of the banking and securities industries over a period of time is not only theoretically controversial. In reality, different countries and their different stages of development also have different modes, including the all-powerful banking industry with Germany as an example. Separated banking represented by the United States and Japan. How to learn from foreign experience, combined with China’s national conditions, rationally choose to suit me