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多年来,综合经营一直是金融业的热门话题,并曾一度被视为金融业的发展趋势,但白花旗出售旅行者保险之后,业界开始对综合经营进行反思。2008年金融危机之后,业界和监管机构对综合经营采取了更为审慎的态度。目前,欧洲银行与保险的综合经营在逐渐分离,银行拥有保险公司的情况在减少,保险公司也在出售银行;同时,G20金融稳定委员会加强了对全球系统重要金融机构的监管,国际保险监督官协会也在探讨加强对国际活跃保险集团(Internationally Active Insurance Group,IAIG)的监管。人们似乎开始对综合经营持怀疑态度。但我们认为,金融综合经营有其固有的优势和弊端,这并没有因为金融危机而发生本质的变
For many years, integrated management has been a hot topic in the financial industry and was once regarded as a trend in the financial industry. However, after Whitehide sold traveler insurance, the industry started to reflect on the integrated operation. After the 2008 financial crisis, the industry and regulators took a more cautious approach toward integrated operations. At present, the integrated operation of European banks and insurance is gradually separated, the situation of banks holding insurance companies is diminishing, and insurance companies are also selling their banks. At the same time, the G20 Financial Stability Committee has stepped up its supervision over important global financial institutions. The International Insurance Regulatory Commission The association is also exploring ways to steer the Internationally Active Insurance Group (IAIG). People seem to be skeptical of the integrated operation. However, in our opinion, the integrated financial management has its inherent strengths and weaknesses, which have not changed essentially due to the financial crisis