在获银监会批复后，兴业银行(601166,股吧)等多家银行设立基金公司事宜也有望很快获证监会批复，金融机构混业经营正呈加速趋势。但在这新一轮大部制改革中，金融监管大部制改革可能难以先行。对此，专家分析称，金融系统存在的潜在风险是阻碍金融大部制改革的重要因素。

After the approval by the China banking regulatory commission,Societe generale(601166,stocks)Many Banks such as set up a fund company issues are expected to soon approved by the SFC,Mixed management in financial institutions is accelerating demands.But in the new round of the super-ministries reform,Financial regulation may be difficult to advance the super-ministries reform.For this,Experts say,The potential risk of financial system is the important factors that hinder financial the super-ministries reform.

　　中央财经大学中国银行(601988,股吧)业研究中心主任郭田勇说，金融机构混业经营趋势明显，混业监管也是未来的发展趋势，但从目前来看，金融大部制改革时机并不成熟。

The central university of finance and the bank of China(601988,stocks)Industry, said guo tianyong, director of the center for the study,Mixed management in financial institutions trend is obvious,Mixed regulation is the future trend of development,But for the moment,Time is not ripe financial the super-ministries reform.

　　“金融大部制不是简单合并就能了事。”郭田勇说，铁道部并入交通部之所以可能更易成行，就在于两者合并只涉及职能上的合并以及内部的整合，不存在潜在的风险。

"Financial can settle the super-ministries is not a simple merge."Guo tianyong, said,Ministry of railways are incorporated into the ministry of communications may be more likely to attend,Is the merger involves a function of the two merging, and internal integration,There is no potential risk.

　　金融系统则不然。其存在的潜在风险近年来一直是高层关注的重点，尤其近两年发生的温州民间金融风波，不仅冲击了该地区金融系统及经济，也对其他地区是个警醒。这一金融风波也直接促成了国务院批复温州市金融综合改革方案。

The financial system.The potential risk of its existence has been the top focus in recent years,Especially in the past two years happen in wenzhou folk financial turmoil,Not only impact the region's financial system and economy,Is a warning to other areas.The financial turmoil is also directly contributing to the approval of the state council wenzhou financial comprehensive reform.

　　今年政府工作报告中再度强调，要守住不发生系统性和区域性金融风险底线，引导金融机构稳健经营，加强对局部和区域性风险以及金融机构表外业务风险的监管，提高金融支持经济发展的可持续性。

This year the government work report emphasized again,Keep not systemic and regional financial risk the bottom line,Encourage financial institutions to the steady operation,Local and regional risk, and financial institutions to strengthen off-balance sheet risk regulation,Increase financial support for the sustainable development of the economy.

　　“在未做好充分准备前，很难把握金融监管大部制改革可能存在哪些风险，若贸然合并，也许还会交叉传导或催生金融风险，不仅无法监管好，还可能导致金融机构经营出现问题。” 郭田勇说。

"In front of the not fully prepared,It is hard to grasp what risks may occur the super-ministries reform of financial regulation,If rushed to merge,May also cross conduction or create financial risks,Not only can't good regulation,It can also cause financial institutions handling problems." Guo tianyong, said.

　　当前，混业经营是大趋势。近几年进展尤为显著的是保险公司与银行业的互相渗透。其中又以中国平安(601318,股吧)入主深发展最有代表性，后者已正式更名为平安银行(000001,股吧)；银行对保险的渗透步伐也在加快，目前几大国有银行旗下均设有保险公司。

The current,Mixed management is a big trend.Progress in recent years, particularly the permeate each other is the insurance companies and banking.With China's ping an again among them(601318,stocks)Capturing the SDB most representative,The latter has officially changed its name to ping an bank(000001,stocks);Of bank insurance penetration is also to speed up the pace,At present several big insurance company owned by state-owned Banks.

　　而混业经营倾向并不限于大型金融机构，比如北京银行(601169,股吧)，目前该行旗下设有中荷人寿、北银消费等机构。近日，银监会又批复该行下设基金公司。据悉，也有望很快获证监会批复。

The mixed management tendency is not limited to large financial institutions,Such as bank of Beijing(601169,stocks),Now it's in life/North silver consumption etc.recently,The CBRC approval again consists of funds from the bank.It is reported,Also is expected to soon approved by the SFC.

　　金融大部制改革早已被认为是“迟早之事”，郭田勇说，在未来监管框架实现了实质性的调整后，金融监管大部制仍将成行。

Finance has long been considered the super-ministries reform"Sooner or later things",Guo tianyong, said,In the future regulatory framework implements substantial adjusted,The super-ministries will still in financial regulation.