摘要：金融业的混业经营是指银行，证券公司，保险公司等机构的业务相匀_渗透交义，而不局限于自身分营业务的范围。混业经营是相对分业经营的另一种经营模式，其并不是对各类金融机构职能的绝对否定，而是说由于融资技术的发展，同一种金融新产品可以被具有不同职能的机构共同使用，即不同金融机构之间出现业务相匀-交义和渗透，即对旧的职能分工的扬弃而出现了金融混业经营。一般而言，一国金融业对于分业经营或混业经营的选择即意味着在安全与效率之间加以抉择。分业经营更注重整个金融体系的安全与稳定，混业经营更注重效率。本文首先阐述了金融混业经营的相关理论知识，分析了金融混业经营的动因，接着介绍了金融混业经营的现状、存在的问题及原因，并针对问题，给出了相应的对策建议。

关键词：金融混业经营  现状及问题  对策建议

Abstract: Financial industry mixed operation refers to banks, securities companies, insurance companies and other organizations business uniform _ permeability to justice, but is not limited to their own branch main business scope. Mixed operation is relatively separate operation in another mode of operation, the functions of various financial institutions and not on the absolute denial, but due to financial and technological development, with a kind of new financial products can be with different function mechanism in common use, namely the different financial institutions emerged between business uniform - intersectional and penetration, the old division of develop the useful and discard the useless and the emergence of financial mixed operation. Generally speaking, a country's financial industry for divided operation or mixed operation choosing means in security and efficiency to choose between. Operators pay more attention to the security of the whole financial system and stable operation, pay more attention to efficiency. This article first elaborated the financial mixed management related to the theoretical knowledge of financial mixed operation, motivation, and then introduced the mixed financial management current situation, existing problems and reasons, and aiming at these problems, put forward some corresponding suggestions and countermeasures.

Key words: Financial mixed operation; The current situation and existence problem; Countermeasures and suggestions