A.促進(jìn)我國(guó)各類(lèi)金融機(jī)構(gòu)從分業(yè)經(jīng)營(yíng)向混業(yè)經(jīng)營(yíng)過(guò)渡 B.推動(dòng)資本市場(chǎng)發(fā)育,促進(jìn)經(jīng)濟(jì)發(fā)展需要 C.增強(qiáng)企業(yè)凝聚力和競(jìng)爭(zhēng)力需要 D.減輕國(guó)家養(yǎng)老負(fù)擔(dān)壓力