我国金融集团在现行分业经营框架下蓬勃发展,通过控股或参股银行、证券、保险等不同的金融领域,在法律允许的范围内实质上进行了混业经营。金融集团与单个金融机构的特性有很大差异,这决定了金融集团的财务目标不应像中小银行一样以利润最大化为目标,而是应追求集团价值最大化,当财务目标既定之后,选择哪种财务管理模式为 Our financial conglomerates have flourished under the existing segregation management framework and have basically conducted mixed operations within the scope permitted by law through different financial sectors such as controlling or joint-stock banks, securities and insurance. Financial groups and individual financial institutions have very different characteristics, which determines the financial group’s financial goals should not be the same as the small and medium-sized banks to maximize profits as the goal, but should pursue the group’s value maximization, when the financial goals set, choose Which financial management model is