金融混业经营的风险及对策摘要自上世纪八十年代，伴随我国证券市场的出现，我国金融初级混业经营局面初步形成，随着我国加入WTO，世界经济联系日益紧密，世界性金融动荡也日益加剧，金融混业经营的风险问题也成了人们探讨的焦点。本文首先通过美国的金融发展历程引出金融混业经营的概念，通过金融风险理论认为控制风险、抑制危机是迫切的、必须研究的课题；其次论文分析了金融混业经营业务模式下风险类型；最后提出了金融混业经营风险的防范与对策。关键词：金融混业经营风险MixedoperationoffinanceriskandCountermeasuresAbstractSincetheeighty'soflastcentury,withChina'ssecuritiesmarket,China'sfinancialsituationinprimarymixedoperationispreliminaryform,joinWTOasourcountry,worldeconomyisincreasinglycloselinks,theworldfinancialturmoilisalsogrowing,financialriskhasbecomethefocusofpeople.Firstly,throughtheUnitedStatesfinancialdevelopmentleadstofinancialmixedmanagementconcept,throughfinancialrisktheorybelievethatriskcontrol,inhibitionofcrisisisurgent,muststudytheissue;secondlythepaperanalyzedfinancialmixedbusinessmoderisktypes;finallyproposedthemixedfinancialbusinessriskpreventionandcountermeasures.Keywords：FinanceMixedoperationRisk目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc320009974"序言PAGEREF_Toc320009974\h4HYPERLINK\l"_Toc320009975"1.1研究背景PAGEREF_Toc320009975\h4HYPERLINK\l"_Toc320009976"2，金融混业经营风险的相关理论PAGEREF_Toc320009976\h4HYPERLINK\l"_Toc320009977"2.1金融业的本质PAGEREF_Toc320009977\h4HYPERLINK\l"_Toc320009978"2.2金融混业经营制度的推广与演变PAGEREF_Toc320009978\h5HYPERLINK\l"_Toc320009979"3，金融混业经营的风险分析PAGEREF_Toc320009979\h8HYPERLINK\l"_Toc320009980"3.1信用风险PAGEREF_Toc320009980\h8HYPERLINK\l"_Toc320009981"3.2市场风险PAGEREF_Toc320009981\h8HYPERLINK\l"_Toc320009982"3.3操作风险PAGEREF_Toc320009982\h9HYPERLINK\l"_Toc320009983"3.4利率风险PAGEREF_Toc320009983\h9HYPERLINK\l"_Toc320009984"3.5流动性风险PAGEREF_Toc320009984\h10HYPERLINK\l"_Toc320009985"3.6道德风险PAGEREF_Toc320009985\h10HYPERLINK\l"_Toc320009986"3.7制度风险PAGEREF_Toc320009986\h11HYPERLINK\l"_Toc320009987"4，金融混业经营风险的防范与对策PAGEREF_Toc320009987\h12HYPERLINK\l"_Toc320009988"4.1完善金融监管体系及法律法规PAGEREF_Toc320009988\h12HYPERLINK\l"_Toc320009989"4.2建立完备的防火墙PAGEREF_Toc320009989\h13