一、我国商业银行混业经营的必然性 分业经营和混业经营是商业银行的两种不同经营模式。分业经营是指银行业、证券业和保险业分开经营,它们的核心业务各不相同,互不交叉,它们的机构分开设立,互不隶属,相互独立。混业经营是指商业银行在传统业务基础上还经营证券、保险、信托等金融业务。自1995年《商业银行法》颁布实施以来,我国商业银行一直实行分业经营模式。这一立法规定在当时适应了中国金融市场的发展需要,其管理模式的实施对加强金融监管、规范金融行为、稳定金融秩序、防范金融风险起到了积极作用,最明显的例证就是在1997-1998年东南亚金融危机中,起到了回避风险保 First, the inevitability of mixed operation of commercial banks in our country Separated operation and mixed operation are two different modes of operation of commercial banks. Decommissioning refers to the separate operation of the banking industry, the securities industry and the insurance industry. Their core businesses are different and do not cross each other. Their institutions are set up separately from each other and are independent of each other. Mixed operation refers to the commercial banks in the traditional business based on the securities, insurance, trust and other financial operations. Since the promulgation of “Commercial Bank Law” in 1995, China’s commercial banks have been implementing separate business models. This legislative provision was adapted to the needs of the development of China’s financial market at that time. The implementation of its management model has played a positive role in strengthening financial supervision, standardizing financial behavior, stabilizing financial order and guarding against financial risks. The most obvious example is that during 1997-1998 In the Southeast Asian financial crisis, played a risk aversion