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近年来,经济全球化、一体化进程正在加快,经济环境变化导致各行业交叉融合程度逐渐加深,客户的全面金融服务需求导致金融超市出现,并直接影响到综合性的创新,金融创新使得分业界限变得模糊, 技术进步使得综合经营成为可能,随着管制壁垒的松动,保险业、银行业、证券业也正在探索新的多赢合作关系。世界范围内的金融分业经营的界限正在被打破,金融发展正在完成从混业到分业,再回到混业的戏剧性轮回。
In recent years, the process of economic globalization and integration is accelerating. As a result of the changes in the economic environment, the degree of cross-integration among industries is deepening. The demand for comprehensive financial services from customers leads to the emergence of financial supermarkets and directly affects comprehensive innovation. Limits have become blurred and technological progress has made it possible for integrated operations. With the loosening of regulatory barriers, the insurance industry, banking industry and securities industry are also exploring new win-win partnerships. The boundaries of financial divisions worldwide are being broken down. Financial development is now going through a dramatic cycle of transition from blending to division and back into the mix.