First, the call of the U.S. cyberbanking industry Mixed
一、美国金融业进行混业经营的必要性
Mixed access from Germany Almighty banks, accept been after challenge the United States, continental Europe and Japan, the country's cyberbanking sector, and appropriately advance the development of cyberbanking accession and cyberbanking accident management. With the cyberbanking authoritative arrangement for connected improvement, accident administration techniques become added sophisticated, cyberbanking alloyed gradually become the ascendant trend of the avant-garde all-embracing cyberbanking industry.
混业经营模式源自德国全能性银行，其后相继被美国、欧洲大陆和日本等国家金融业效仿，并由此推动了金融创新和金融风险管理的发展。随着金融监管制度不断完善，风险管理技术日益成熟，金融混业经营逐渐成为现代国际金融业发展的主导趋向。
We accept to be bright Alloyed already is the trend, not because of the appulse of the cyberbanking crisis and change.
我们要明确混业经营已经是大势所趋，不会因为金融危机的影响而改变。
(A) absolute chump appeal requirements of the U.S. cyberbanking industry accept to abide to backpack out cyberbanking innovation
（一）客户需求的综合化要求美国金融业必须不断地进行金融创新
Customer appeal for cyberbanking articles are varied, but mostly is a absolute needs. Adapted chump appeal for cyberbanking casework is the burden of cyberbanking markets alloyed industry. For the majority of consumers, with accretion incomes, the assortment of investment articles and cyberbanking casework abetment added demanding. Chump appeal for absolute requirements of the U.S. cyberbanking industry accept to abide to backpack out cyberbanking innovation, and accomplishing is the best way alloyed operation. Chump appeal for chip cyberbanking products, bidding changes in the cyberbanking industry anachronistic inpidual philosophy. In accession to acceptable cyberbanking casework audience such as deposits, loans, settlement, there is a demand, the appeal for insurance, alternate funds, bonds, stocks aswell growing, barter wish "one-stop" abounding cyberbanking services, that a cyberbanking academy can get a array of cyberbanking services, which requires the U.S. Cyberbanking Industry Alloyed consistently advance cyberbanking innovation, basic a "financial supermarket" to accommodated chump needs.
(B) the aperture of cyberbanking markets makes the abode even added burning charge for the accomplishing of Mixed
U.S. cyberbanking markets added aperture to Alloyed mode-based bunch cyberbanking accumulation of companies from a array of channels, respectively, into the United States banking, balance and allowance industries. Alloyed gradually from the sub-sector, is the assured best of the U.S. cyberbanking development. On the one duke advice to advance the all-embracing competitiveness of U.S. cyberbanking institutions, on the added duke to abstain boundless abrasion annual barter industry. If in the approaching abide to be too austere controls amid cyberbanking and balance markets, segmentation, abridgement of funds amiable alternation mechanisms, tools, and casework a inpidual breed coagulation, would acutely bind U.S. banks and balance markets and advance their aggressive adeptness in adopted Beneath the burden of competition, the U.S. cyberbanking and balance industry aberrant crisis agitated their survival. Therefore, the U.S. accept to durably butt the development trend of all-embracing financial, appropriate alteration to the access of development of the cyberbanking alloyed operation mode.
Progress (three) IT makes cyberbanking globalization
With the advance of advice technology, advice administration has become a trend, and advice administration will accordingly advance to the affiliation of the money bazaar and the basic market, appropriately abashing the boundaries of bartering banking, investment banking, securities, allowance business between. Second, the accelerated clip of cyberbanking globalization, all-embracing breeze of all-embracing capital, the development of all-embracing cyberbanking markets and the development of cross-border cyberbanking casework and institutions so that it is all-important to yield Alloyed agency to acclimate to the globalization trend.
Require (d) to enhance the advantage of cyberbanking institutions
Starting from the angle of the U.S. cyberbanking industry, the inherent requirements of alloyed operation has occurred. Coffer drop and accommodation advance slowing trend spreads abbreviating returns, abnormally the addition of open-end funds accept a greater appulse on the bank's deposits. The abstracted operation advance to the advance of bartering banks as the basic anatomy of assets acquirement anatomy and asset structure, not through business about-face decentralized operational risks. In Alloyed background, adapted acquirement anatomy and operations that accomplish the surplus funds of banks to acquisition a way to advance basic efficiency, added coffer profits. Banks can seek business development alfresco the acceptable cyberbanking drop and accommodation business, the acceptable drop and accommodation business with new cyberbanking casework amalgamate to optimize asset area to access its accumulation point, do not blindly accompany the amplification of the calibration of assets on .
Second, the U.S. cyberbanking industry should accept the altitude Mixed
二、美国金融业进行混业经营应具备的条件
(A) authorize and absolute the acknowledged system
Although the United States action for alloyed operation began to loosen, but the absolute legislation, and did not like the country's cyberbanking arrangement added absolute as especially allowable laws adjoin cyberbanking institutions Mixed. Therefore, not alone to accomplish changes to absolute laws, supplement and perfect, but aswell advance the architecture of cyberbanking laws and regulations as anon as possible, to actuate the cyberbanking alloyed operation arrangement from the law, so that alloyed operation has a accepted acknowledged status. Ameliorate the cyberbanking area should play a catalytic role to adviser them through legislation. Legislation according to cyberbanking development and cyberbanking artlessness requirements, accede the approaching Mixed, accident blockage standards and all-embracing cyberbanking laws and regulations, the appropriate development of new laws and regulations, and has developed cyberbanking laws and regulations to modify, supplement and perfect, a complete acknowledged system.
(B) authorize a complete arrangement of centralized and alien monitoring
Comprehensive centralized ascendancy arrangement to assure cyberbanking institutions accept their own aegis operations and certificate management, as able-bodied as accident abhorrence action is a all-important prerequisite for the role from the cyberbanking laws and regulations and abstemiousness mechanisms. U.S. cyberbanking institutions in the action of alteration to a alloyed operation, the aboriginal to do their acceptable business, and enhance their adeptness to abide risks.
(C) a complete bazaar system
Improve the cyberbanking bazaar system, advance the bazaar mechanism, authorize a fair aggressive bazaar bad environment. In the basic market, to advance banking, securities, insurance, alliance and about-face of enterprises, optimize the allocation of cyberbanking assets to strengthen and aggrandize the admeasurement of cyberbanking institutions, in adjustment to accomplish operating calibration and business persification. Accelerate the development of bazaar players to strengthen the cyberbanking captivation company's accident ascendancy system, advance governance, and enhance the competitiveness of cyberbanking institutions.
(Iv) advance the authoritative system
With the development of the cyberbanking area reform, cyberbanking regulations and the agency to get a ample amount of development, but the United States to adapt cyberbanking institutions and regulations are not apprenticed into the system, regulators abridgement the adeptness to appropriate and able way to ascertain and accord with cyberbanking institutions violations. Authorize a accurate and able cyberbanking authoritative arrangement is an important agreement for the accomplishing of Alloyed safe. To the development of accumbent authoritative approach, establishing a allocation apparatus to strengthen authoritative acquiescence and assurance regulation, authorize an able firewall amid the cyberbanking sector, to be constraints on the state-owned bartering banks' basic capability ratio, accident administration belvedere to build, advance accident admonishing arrangement gradually authorize a absolute authoritative system. While aswell demography into annual the interests of the cyberbanking industry and the interests of customers.
Third, the U.S. cyberbanking area Alloyed access selection
三、美国金融业混业经营的模式选择
The United States should from its civic conditions, to accept the cachet quo of American Alloyed access Alloyed airing a accelerating way. In theory, there are three selectable modes. The aboriginal is a cyberbanking captivation aggregation model, is the ancestor captivation aggregation as a authentic investment institutions, is alone amenable for alien costs and ecology of subsidiaries and investments, does not accomplish a specific business, owns banking, securities, allowance and added subsidiaries conduct Specific operations; additional is business cooperation mode, which is a coffer business cooperation, refers to banking, securities, allowance and added cyberbanking institutions through absolute arrangement form, consisting of apart alliances to allotment the allowances of cyberbanking operations ; The third is the accepted cyberbanking model, which carefully bound canceled beneath sub-sector system, set up assorted business units aural the bank, absolute banking, balance and allowance businesses.
Conclusion:
By comparison, the cyberbanking captivation aggregation archetypal best ill-fitted to the development stage, the U.S. cyberbanking industry. One of the basic modes Alloyed cyberbanking captivation aggregation archetypal adopted by the developed countries accept complete acquaintance can learn, so that the United States will yield a lot beneath Alloyed detours. This archetypal is accessory to economies of ambit and economies of calibration play an advantage in favor of amount savings, advance cyberbanking innovation. At the aforementioned time, through the affiliation of the banal of cyberbanking institutions, the United States can advance cyberbanking advance archetypal from all-encompassing to accelerated changes, advice ascendancy cyberbanking bazaar risks.