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我国在改革开放的初期,曾经探索过混业经营的模式,但由于我国的金融体系尤其是监管体系不完善,使大量的银行资金违规流入股市,增加了银行风险,加重了证券市场的投机气氛。因此,我国自1995年陆续发布了《中国人民银行法》,《商业银行法》《保险法》和《证券法》,从法律上确定了我国分业经营的道路。然而随着我国金融开放的加深,外
In the early stage of China’s reform and opening up, we had explored the mixed operation model. However, due to the imperfect regulatory system of our financial system, a large number of bank funds flowed into the stock market illegally, increasing the bank’s risk and aggravating the speculative atmosphere in the securities market . Therefore, since 1995, China has successively promulgated the “People’s Bank of China Law”, the “Commercial Bank Law”, the “Insurance Law” and the “Securities Law”, and has legally determined the way for the separation of businesses in our country. However, with the deepening of China’s financial liberalization,