目前,银证业合营是西方许多国家的现实状况,也是我国金融业发展的目标所在。然而就我国现阶段来说由于诸多限制性因素的存在,尚不具备银证业合营的条件,不宜实行银证业合营,其主要表现为: 1.宏观调控体系不健全。主要体现为国家对经济实施宏观调控的手段和方法上仍以计划经济下的直接调控手段为主。按行政区划设置的商业银行体系难以实现市场调配 At present, the banking and securities joint ventures are the reality of many countries in the West and are also the goal of the development of China’s financial industry. However, for the present stage of our country, due to the existence of many restrictive factors, the conditions of the joint venture are not yet available. Therefore, the joint venture should not be implemented. The main features are as follows: 1. The macro regulation and control system is not perfect. Mainly reflected in the means and methods of the macroeconomic regulation and control of the economy in the country still dominated by direct control measures under the planned economy. According to the administrative divisions of the commercial banking system is difficult to achieve market allocation