中文摘要：

在全球金融业综合经营趋势下,有效的提高我国金融业的经营能力和核心竞争力已成为迫切需要。根据行业生命周期和企业能力分析,我国金融业进行综合经营是必然选择。我们的政策建议是：要加快研究和制定金融综合经营的法规、政策,为综合经营的稳步发展创造良好的法制环境;应加快金融改革步伐,增强金融监管能力,建立严密的金融风险防范体系,以提高我国金融机构的核心竞争力;金融控股公司是中国金融业综合经营较为适当的模式,应通过构建金融控股公司,适度开展金融综合经营;同时,应大力学习和借鉴境外的金融综合经营业务,加大综合经营人才的培训力度和激励机制,走渐行渐近的综合经营道路。

英文摘要：

Under the tendency of the global financial industry synthetic operation, we should sharpen the financial industry management capacity and the core competitive ability in China, which becomes the urgent need. According to the profession life cycle and the enterprise ability analysis, the financial industry carries on the synthetic operation, which is an inevitable choice. Our policy suggestions are. we should speed up the research and the formulation financial industry synthetic operation laws and regulations, the policy, for the synthetic operation with steady development under the good legal system environment~ and we should also speed up the financial reform step, for the enhancement financial supervising ability and establishing the strict financial risk guard system to enhance the core competitive ability~ The financial holding company is the suitable pattern in china, and we can construct the financial holding company to carry out the financial industry synthetic operation. At the same time, we should study the model of the financial industry synthetic operation service overseas, and increase the synthetic operation talented person＇s training dynamics and the incentive mechanism. At last we carry out the Synthetic operation path gradually.