According to these questions , we could find the material countermeasures : scientific property rights should base on the stock reforming , control the agent ' s " seeking rent " behaviour , eliminate the controlling of state stock ; bank should firmly circumfuse operational , informatics , normal objects , make out rigid interior institutions ; considerated our financial material situations , the institution of supervision should integrate the interior supervision and exterior supervision and leave on indirect supervision . we should fast establish a leading supervision system without changing the segre gation situation , so as to support a better environment for innovation and also better keep away innovation risk 针对这些原因，提出了如下对策：科学的产权制度应对商业银行实施彻底的股份制改造，减少内部人控制现象，克服国有股一股独大现象；商业银行应紧紧围绕“操作性目标、信息性目标、合规性目标”三大目标，建立互相制衡、有力约束的刚性的内控制度；考虑我国金融业的具体情况，新的监管制度以间接监管为主、内外监管相结合，建立由央行为首的“牵头监管模式” ，统一金融监管，给银行业务创新提供一个较为宽松的环境并且实现对业务创新的风险的有效防范。
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On the basis of analysis on the disadvantageous factors in implementing universal operation in china , the paper then points out transformation from the current business segre gation to universal operation should be a step by step process with restrictive factors existing in the fields of politics , economy , legislation , science and technology development level . and finally the paper has proposed a progressive developing strategy for china ' s state - owned commercial banks during the transformation period from business segregation to universal operation , which is also a creative viewpoint in this paper 随后本文分析了我国实施混业经营的制约因素，指出由于现有的政治、经济、法律、科技水平等因素的制约，由分业经营转变为混业经营应该是一个逐步过渡演化的过程，于是，本文最后提出了我国国有商业银行走向混业经营的渐进式发展战略，这也是本文的一个创新点。
