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银行混业经营须“合法”

来源: 南方日报网络版     时间: 2018年10月23日 22:11:39
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(  实)(施)(了)(20年)(之)(久)(的)(《商)(业)(银)(行)(法)(》将)(迎)(来)(修)(订)(。在)(《商)(业)(银)(行)(法)(》修)(订)(中)(,废)(除)(存)(贷)(比)(的)(呼)(声)(最)(高)(,并)(已)(经)(在)(业)(界)(达)(成)(共)(识)(。但)(是)(,是)(否)(从)(立)(法)(层)(面)(解)(决)(商)(业)(银)(行)(混)(业)(经)(营)(的)(问)(题)(,目)(前)(仍)(存)(在)(争)(议)(。
  对)(此)(,兴)(业)(银)(行)(首)(席)(经)(济)(学)(家)(鲁)(政)(委)(昨)(日)(在)(接)(受)(《证)(券)(日)(报)(》记)(者)(采)(访)(时)(表)(示)(,《商)(业)(银)(行)(法)(》面)(临)(重)(大)(的)(修)(改)(,市)(场)(对)(废)(除)(存)(贷)(比)(的)(关)(注)(度)(较)(大)(,但)(是)(,实)(际)(上)(,远)(有)(比)(废)(除)(存)(贷)(比)(更)(重)(大)(的)(问)(题)(却)(被)(市)(场)(忽)(略)(,那)(就)(是)(有)(关)(商)(业)(银)(行)(经)(营)(范)(围)(的)(探)(讨)(。
  鲁)(政)(委)(表)(示)(,事)(实)(上)(,当)(前)(金)(融)(机)(构)(的)(发)(展)(已)(经)(出)(现)(了)(“跨)(界)(”,简)(单)(地)(说)(,就)(是)(原)(本)(不)(在)(这)(个)(行)(当)(的)(现)(在)(也)(开)(始)(涉)(足)(。最)(典)(型)(的)(例)(子)(就)(是)(互)(联)(网)(金)(融)(。由)(于)(“互)(联)(网)(+”的)(出)(现)(,使)(得)(互)(联)(网)(与)(所)(有)(行)(业)(都)(产)(生)(了)(联)(系)(,互)(联)(网)(金)(融)(的)(兴)(起)(,以)(P2P网)(贷)(模)(式)(为)(代)(表)(的)(创)(新)(理)(财)(方)(式)(受)(到)(市)(场)(的)(广)(泛)(关)(注)(和)(认)(可)(,余)(额)(宝)(、支)(付)(宝)(就)(是)(其)(中)(一)(种)(。
  鲁)(政)(委)(认)(为)(,回)(到)(金)(融)(对)(业)(态)(的)(根)(本)(定)(义)(来)(说)(,每)(个)(人)(支)(付)(宝)(中)(的)(余)(款)(实)(际)(上)(就)(是)(存)(款)(,这)(在)(过)(去)(是)(银)(行)(所)(具)(有)(的)(独)(一)(无)(二)(的)(特)(征)(。除)(此)(之)(外)(,市)(场)(上)(出)(现)(了)(大)(量)(形)(形)(色)(色)(的)(以)(提)(供)(固)(定)(收)(益)(的)(机)(构)(,它)(们)(明)(确)(提)(供)(保)(本)(的)(理)(财)(服)(务)(,那)(么)(,实)(际)(上)(这)(些)(机)(构)(也)(是)(在)(吸)(收)(存)(款)(。“因)(此)(,目)(前)(的)(现)(状)(是)(,无)(论)(银)(行)(要)(不)(要)(混)(业)(,混)(业)(已)(经)(成)(为)(一)(种)(现)(实)(。”
  在)(鲁)(政)(委)(看)(来)(,银)(行)(混)(业)(经)(营)(已)(经)(到)(了)(不)(得)(不)(为)(的)(程)(度)(,我)(国)(金)(融)(机)(构)(的)(非)(利)(息)(收)(入)(基)(本)(都)(是)(分)(业)(监)(管)(之)(外)(的)(领)(域)(。而)(且)(从)(全)(球)(利)(率)(市)(场)(化)(先)(行)(者)(的)(经)(验)(来)(看)(,利)(率)(市)(场)(化)(之)(后)(实)(现)(混)(业)(经)(营)(的)(国)(家)(,将)(出)(现)(大)(量)(的)(银)(行)(倒)(闭)(的)(现)(象)(,相)(反)(则)(不)(然)(。因)(此)(,《商)(业)(银)(行)(法)(》应)(该)(改)(名)(为)(《银)(行)(业)(法)(》或)(更)(为)(恰)(当)(。
  民)(生)(证)(券)(研)(究)(院)(宏)(观)(研)(究)(员)(李)(奇)(霖)(昨)(日)(在)(接)(受)(《证)(券)(日)(报)(》记)(者)(采)(访)(时)(也)(表)(示)(,从)(三)(个)(层)(面)(可)(以)(看)(出)(,银)(行)(业)(的)(混)(业)(经)(营)(已)(经)(在)(倒)(逼)(《商)(业)(银)(行)(法)(》的)(修)(改)(。
  需)(求)(层)(面)(,日)(益)(苛)(刻)(的)(居)(民)(理)(财)(与)(企)(业)(融)(资)(需)(求)(。居)(民)(储)(蓄)(存)(款)(大)(幅)(增)(长)(,而)(金)(融)(产)(品)(的)(多)(元)(化)(导)(致)(存)(款)(作)(为)(资)(产)(保)(值)(的)(地)(位)(受)(到)(冲)(击)(;企)(业)(对)(间)(接)(融)(资)(的)(需)(求)(不)(断)(降)(低)(,2008年)(以)(来)(金)(融)(机)(构)(各)(项)(贷)(款)(余)(额)(的)(增)(速)(由)(380%降)(至)(10%。
  供)(给)(层)(面)(,利)(率)(市)(场)(化)(加)(剧)(商)(业)(银)(行)(转)(型)(需)(求)(。理)(财)(、互)(联)(网)(金)(融)(和)(货)(币)(基)(金)(的)(野)(蛮)(生)(长)(已)(经)(吹)(响)(了)(利)(率)(市)(场)(化)(的)(前)(哨)(战)(,存)(贷)(利)(差)(的)(收)(缩)(迫)(使)(商)(业)(银)(行)(寻)(找)(中)(间)(业)(务)(收)(入)(。
  政)(策)(层)(面)(,法)(律)(渐)(进)(式)(放)(开)(。2005年)(以)(来)(,法)(律)(分)(别)(允)(许)(商)(业)(银)(行)(建)(立)(基)(金)(子)(公)(司)(、从)(事)(金)(融)(租)(赁)(行)(业)(以)(及)(投)(资)(保)(险)(公)(司)(股)(权)(,而)(对)(证)(券)(业)(务)(尚)(未)(放)(开)(,随)(着)(需)(求)(的)(加)(剧)(,《商)(业)(银)(行)(法)(》的)(修)(改)(箭)(在)(弦)(上)(。
  实)(际)(上)(,银)(监)(会)(主)(席)(尚)(福)(林)(在)(今)(年)(“两)(会)(”期)(间)(表)(示)(,《商)(业)(银)(行)(法)(》修)(改)(是)(一)(个)(系)(统)(工)(程)(,银)(监)(会)(正)(与)(相)(关)(部)(门)(就)(《商)(业)(银)(行)(法)(》修)(改)(加)(强)(调)(查)(研)(究)(,积)(极)(推)(进)(,以)(适)(应)(新)(情)(况)(要)(求)(。(记)(者)(傅)(苏)(颖)()
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