当前,我国金融混业经营的较为可行的模式是金融控股公司模式。本文认为为了防范全融混业所带来的风险,必须对金融混业经营的主体(金融控股公司及其从事金融业务的子公司)进行法律规制,主要包括四大方面的内容:主体资格、主体组织、主体行为和主体责任。 At present, the more feasible model of China’s financial mixed operation is the financial holding company model. This paper argues that in order to prevent the risks brought about by the full integration, the main body of the mixed financial operation (financial holding companies and their subsidiaries engaged in financial business) must be regulated by law, including four main aspects: the qualification of the main body, Subject organization, subject behavior and subject responsibility.