金融综合经营是指在金融监管机构的许可下，金融机构同时经营银行、证券、保险等两项以上的金融业务。
金融综合经营加快，市场竞争激烈，金融市场风险防范压力较大。
Comprehensive financial management, market competition, financial market risk prevention pressure.
在金融综合经营的趋势下，银行与消费者之间的信息、交涉能力之间的差距越来越大。
With the trend of financial integrated management, the gap of information and bargain ability between the bank and consumer is getting broader and broader.
现代商业银行是以利润为经营目标，以多种金融资产与金融负债为经营对象，具有综合性服务功能的金融企业。
Modern commercial Banks are financial enterprises that have comprehensive service function. They aims at making profit, and its management object is manifold financial asset and financial debt.
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