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尽管经历了严重的金融危机,金融综合经营仍然是目前市场发展的趋势。从各国金融行业发展与监管制度的变迁来看,金融机构有实行综合经营的内在需求,但要建立规范的法律制度有效防范不同行业、机构的风险传递。目前我国保险法及相关金融立法中虽然以分业经营与分业监管为原则,但在相关的条款中已经为综合经营留下了法律空间。因此,必须从制度上作好风险防范,降低综合经营的制度成本。
Despite the severe financial crisis, integrated financial management is still the current market trend. Judging from the changes in the development and regulatory system of financial industry in various countries, financial institutions have the inherent demand of implementing integrated management. However, establishing a standardized legal system to effectively prevent the risk transfer among different industries and institutions. At present, although the principle of separate operation and separate regulation in China’s insurance law and related financial legislation is the principle, the relevant provisions have left legal space for the integrated operation. Therefore, we must take precautions against risks in the system and reduce the system cost of the integrated management.