论文标题:论我国金融业分业与混业经营体制的选择
Green Barriers and Green Trade
论文作者 景士晶
论文导师 刘志浩,论文学位 硕士,论文专业 金融学
论文单位 东北财经大学,点击次数 260,论文页数 47页File Size172k
2002-02-01论文网 http://www.lw23.com/lunwen_28142712/ 分业经营体制;混业经营体制;选择
Fragmented Banking System;Blended Banking System;Choice
20世纪，全球金融业完成了混业——分业——混业的戏剧性轮回，尤其在1999年11月美国《金融服务现代化法案》的正式颁布，标志着混业经营体制已被世界上大多数国家所采取。目前，我国已加入世贸组织，金融业必将逐步融入世界发展潮流之中，现行分业经营体制必将受到强烈冲击。因此，分析分业与混业经营体制的优劣，研究我国金融体制的选择问题，具有重要的现实意义。本文通过对分业与混业经营体制的优劣分析，得出如果具备一定的客观条件，一国应选择混业经营体制的结论。其主要目的是根据该条件，结合我国实际探讨我国现阶段及未来应采取的金融体制，并对未来混业经营体制的实施提出一定的建议。本文主要分四部分展开论述：第一部分首先简要介绍了美国、英国和德国金融体制的演变历程，并从中得出国外金融体制的混业趋势。继而，详细分析了推动各国金融体制朝着混业方向发展的原因，指出混业趋势是金融全球化、银行竞争、客观条件完善、科技创新及政府放松管制等因素共同作用的结果。第二部分主要从微观与宏观两个角度分析由分业向混业经营体制演变的内部原因。首先指出，分业或混业经营对于微观即商业银行自身的收益、风险和成本及市场竞争力都会产生不同的影响，属于微观的经营策略。但由于混业经营体制赋予了银行更大的经营自主权，是银行更为推崇的制度选择。继而，从宏观即全社会的角度，从风险、效率、利益冲突和垄断几方面对分业与混业经营体制进行分析，得出如果一国具备监管等客观条件时，应实行混业经营体制的结论。最后，重点探讨了一国实行混业经营体制所应具备的条件，主要有：有效的金融监管、健全的市场机制、金融机构具有风险管理的愿望和能力、发达的证券市场及公正的市场评级制度和完善的市场体系。从第三部分开始结合我国实际研究我国金融体制的选择问题。首先，回顾了我国现行分业经营体制的确立过程，并介绍了我国监管当局为适应金融业的发展需要，对分业经营体制所做的调整。继而，结合我国具体国情从市场运行机制、商业银行内部风险控制水平、证券市场发展水平、金融法规与监管水平和宏观调控水平等五个方面对我国实行混业经营体制的条件进行分析，分析得出分业经营体制是我国金融业的现实选择。第四部分，首先分析了我国金融体制的发展方向，指出在入世、网络经济、商业银行发展及国企改革等因素的共同作用下，混业经营体制必将成为我国未来的必然选择。继而，对我国混业经营体制的推进步骤提出建议，指出我国应以业务合作及金融控股公司的方式渐进地实现金融体制的转变。最后，探讨了我国现行分业监管体制下对金融控股公司的监管原则及未来的监管模式。
In the 20th century, the global financial industry has finished the dramatic turns of being blended-fragmented-blended. Especially in November 1999, the promulgation of financial services modernization act symbolized that the blended banking system has been employed by most of the countries in the world. China has entered WTO , the financial industry of it must be involved into the trend of the world development gradually, and then the fragmented banking system of China will be impacted greatly for sure. Therefore, the analysis of advantages and disadvantages between the fragmented and blended banking systems, the study of the choice for the financial system in China will play an important role in real life.From the analysis of the advantages and disadvantages between the fragmented and blended banking systems, we can draw a conclusion that it is wise for a country to choose blended banking system if the certain element needed exists. The main goal of it is to explore the proper financial system for our country and propose some suggestions for the realization of the future financial system according to this certain element and the practical situation in China. There are mainly four parts in this essay:The first part introduces the developing process of financial systems in USA, England and German briefly, also draws a conclusion that there is a trend for the financial system in foreign countries. Then, it analyzes the reasons for the direction of blended banking system for the banks in other countries in details, printing out the blended banking system is the result of financial globalization, banks" competition, the improvement of objective conditions, the development of technology and the loose of government"s control.The second part mainly analyzes the internal reasons of the changes from fragmented to blended banking system from the perspectives of microcosm and macrocosm. It points out that fragmented and blended banking systems will have different effects on the profit, venture, cost and market competition of thecommercial banks. It belongs to the management strategy of microcosm. Since the blended banking system gives the banks more freedom to operate themselves, it becomes more popular. Then comes the analysis of the venture, efficiency, conflicts of interest and monopoly of fragmented and blended banking systems from the perspective of the whole society. It proves that a country should utilize the blended banking system if there are necessary objective conditions. Finally, it"s the discussion of the necessary elements for the blended banking system, mainly including valid financial control, healthy market system, the wish and ability of financial management for the banking system, flourishing security market and complete marketing system.From the third part, it starts the study of the choice for the financial system in our country. First, it recalls the development process of the fragmented banking system of China. Pointing out that it has been adjusted by the financial control department in order to fit the developing needs of the financial industry. Then, It analyzes the conditions needed for the blended banking system in our country from the perspective of marketing operation system, venture control in commercial banks, developing level of security market, financial rules and control level and draw a conclusion that the blended banking system is the practical choice for the financial industry in our country.The fourth part first analyzes the developing direction of financial system in our country, pointing out that the blended banking system will be a necessary choice for the future as a result of entering WTO, internet economy, development of commercial banks and the revolution of national enterprise. Then, it proposes some suggestions for the processing steps of the blended banking system in our country, pointing out that our country will realize the change of financial system gradually in the ways of business cooperation and financial holding company. The last part is the disc
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