| Since the 1970's, financial industry in western developed to the universal financial services through the various business innovations and organization's recombination. And the concept of " FIs Unify" came into being. The trend of "FIs Unify" had its history background and reflected the following facts: from the range of the financial organization's business operation, we could see that every country basically underwent the process from non-restriction, restriction to relaxing or canceling restriction; from the evolution of the financial organization's category, we could see that it returned to the multiple-business operation followed the process from multiple-business to separate business operation. Today, it had definite regulation of separate business operation and separate business supervision in China. The emergence of appearance owed to the period of Market-Economy and it had very important role to keep away the financial risks. But now, external condition changes greatly: firstly, most developed countries abandoned the operation mode of separate-business; secondly, Chinese had joined into WTO. These two conditions challenged our financial operation system, so we should greet the trend of " FIs Unify" according to the request of market economy and financial modernization. It not only is the important reason to choose this topic but also had the theoretical and practical significance.The research means of this article is to combine theoretical analyze with practical proof and theoretical mode with data collection. It is supported with economics theory, finance theory, comparison theory, and advantage theory. And it is very practical because it is based on economy reality and the new changes of financial environment. This article has three chapters. The first chapter is to analyze the reason of "FIs Unify"; the second chapter is to study the mode of "FIs Unify" in western with the practical case; the third chapter is to discuss the related problems in china. |
PDF Full Text Request