CAJ | 학술논문

金融经营体制的演变，其本质是金融基本功能竞争性配置导致的金融分工深化。各种支持或反对混业经营的观点，从根本上可以归纳为对两种经营体制提供金融基本功能过程中的比较成本的不同理解。混业经营体制的比较成本优势在于范围经济效应和风险分散效应，比较成本劣势在于利益冲突和风险传递。
금융경영체제적연변，기본질시금융기본공능경쟁성배치도치적금융분공심화。각충지지혹반대혼업경영적관점，종근본상가이귀납위대량충경영체제제공금융기본공능과정중적비교성본적불동리해。혼업경영체제적비교성본우세재우범위경제효응화풍험분산효응，비교성본열세재우이익충돌화풍험전체。
According to functional theory, the evolution of banking scope is driven by competitive allocation of basic financial functions. All the views for or against universal banking can be summarized as different understandings of the eomparative cost incurred by functional allocation.Comparative advantages of universal banking include economies of scope and risk diversification; Comparative disadvantages include risk contagion and conflicts of interest.