引言金融市场在我国的发展起步较晚,这决定了其自身必然存在诸多缺陷。根据中国加入WTO承诺的时间表,我国将在五年内完全放开金融市场,这样一来,我国金融业面临的风险无论从范围上还是程度上来看都将是空前的。目前,全球金融自由化已成为一股不可逆转的潮流,相继而来的是各类金融业务的交叉发展,这种日趋 Introduction The development of financial market in our country started very late, which determines its inherent shortcomings. According to the schedule promised by China’s accession to the WTO, China will completely liberalize the financial market within five years. As a result, the risks facing China’s financial industry will be unprecedented in scope and extent. At present, the global financial liberalization has become an irreversible trend, one after another resulting from the cross-cutting development of various financial businesses.