Under the model of separated operation , banks , security companies , insurance companies and trust companies must focus their business on their own industries , instead of intercoursing with each other . the system requires that there should be anti - fire wall between financial sectors in order to separate their respective risk . under the mode of mixed operation , a financial institution can provide its customer comprehensive financial services and products , reduce transaction costs , increase efficiency and disperse risks by diversified operation 分业经营模式下，银行、证券、保险、信托等金融业务彼此分开经营，强调隔离金融各业之间的风险，以保证金融体系的稳定和安全；混业经营模式下，金融机构可以实行全方位的金融服务，通过金融业务的多样化来分散风险，降低交易成本，提高经营效率。
