国际上金融集团综合化经营与监管法律制度改进是一个相互促进的动态过程上世纪后期以来,国际金融市场上银行业务与其他金融业务之间的界限变得模糊甚至消失,银行业务与证券、保险甚至普通工商业务趋向综合经营。很多大型金融机构争相开展多元化业务,跨入混业经营领域而发展成巨型金融集团。金融集团综合化经营现象的出现,是20世纪80-90年代国际金融业放松管制的结果。综合化经营虽然为金融 The improvement of the legal system of the integrated operation and supervision of international financial groups is a dynamic process that promotes each other. Since the late of the last century, the boundary between banking and other financial services in international financial markets has become blurred or even disappeared. Banking and securities, insurance Even general business tends to integrated management. Many large financial institutions are vying to diversify their businesses and develop into giant financial groups by entering the mixed-operation area. The emergence of financial conglomerates has been the result of the deregulation of the international financial sector in the 1980s and 1990s. Although integrated management for the financial