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商业银行综合经营是指商业银行不仅经营存款等传统业务,还跨业经营保险、股票等业务,商业银行综合经营是新经济时期的发展趋势。现阶段我国商业银行与证券、保险、基金等行业开展合作,通过发展跨行业的金融业务、战略联盟等开展综合经营的探索与实践,取得了一定的成绩。同时,我国商业银行综合经营在发展过程中也面临着体制上的一些限制,如法制不够健全、现行监管体制不完善等。为促进商业银行的成功战略转型,为商业银行提供良好的体制环境,我们要抓住机遇,完善配套法律政策、放宽法律限制、坚强法律监管,努力为商业银行构建综合化经营的平台。
The comprehensive management of commercial banks means that commercial banks not only operate traditional businesses such as deposits, but also run insurance and stock businesses across industries. The comprehensive management of commercial banks is a trend of development in the new economic period. At this stage, China’s commercial banks have cooperated with securities, insurance and funds industries and achieved some success through the exploration and practice of developing cross-industry financial businesses and strategic alliances. At the same time, the comprehensive management of commercial banks in our country also faces some institutional restrictions in the development process, such as imperfect legal system and imperfect supervision system. In order to promote the successful strategic transformation of commercial banks and provide a sound institutional environment for commercial banks, we must seize opportunities, improve supporting legal policies, relax legal restrictions, strengthen legal supervision and strive to build a platform for integrated commercial banks.