At present, the domestic financial academe is still in a heated debate on the pros and cons of conglomerated financial operations. 目前國內金融理論界對金融混業與分業經營的利弊得失爭論不休，對中國是否能夠或應當開展混業經營還莫衷一是，更遑論如何混業經營的探討了。
Chapter Four explains that the mixed operation mode should be eventual choice for Chinese state-owned commercial banks in purpose of improving their competitiveness. 第四部分闡述了國有商業銀行自身的競爭力提高對經營模式的要求，認為混業經營模式是其必然選擇。
