论文标题:金融分业经营与混业经营研究
On Fragmental and Blend Banking System
论文作者 刘仁松
论文导师 尹建国,论文学位 硕士,论文专业 金融学
论文单位 广西大学,点击次数 1305,论文页数 50页File Size2780k
2004-05-01论文网 http://www.lw23.com/lunwen_331692/ 分业经营;混业经营;法人治理结构;功能型监管
Fragmental banking system; blend banking system;administering structure by legal persons; function-based supervision
20世纪90年代，金融混业经营在西方国家重新取得主导地位。我国又在20世纪末加入WTO，根据有关承诺，在2006年我国将全面开放金融市场。实行分业经营的我国金融业如何面对西方国家金融航母的竞争，我国金融业将向何处去?全文从分业经营与混业经营各自的理论风险效率假说和资产专用性假说出发，在分析西方国家金融“混业—分业—混业”的变迁过程及原因的基础上，对两次混业经营进行比较后认为金融混业经营受金融市场化程度、金融机构的经营管理水平、金融监管水平和法治环境等条件的约束。我国的国内经济环境决定了我国的金融业有必要暂时实行分业经营，我国所处的国际经济环境决定了混业经营是我国金融业发展的必然趋势。但是由于我国金融机构的法人治理结构不合理、证券市场不发达、金融监管能力不足、金融法律法规不健全等原因，又不能马上实行混业经营，而只能逐步向混业经营转变，同时提出三步走的发展战略。我们目前的任务是为混业经营创造条件，即完善金融机构的法人治理结构并建立有效的内部控制机制、完善证券市场、建立存款保险制度、完善金融法规、完善金融监管机制提高金融监管效率。
The blend banking system regained its leading position throughout the Western countries in the 1990s. With its entrance into WTO at the end of last century, China will have an overall open banking market in 2006, according to relevant promises, Thus, Chinese financial world with its present fragmental banking system will undoubtedly face fierce competition of Western financial egcoons. Starting with "risk efficiency theory" and "special purposed assets theory" , the paper aralyses the "blend-fragmental-blend" transition process happened in the Western financial field, and points out its underlying reasons. After comparison of the two blend periods, the author concludes that blended banking system will be affected by factors of financial marketization, management of banking facilities, the financial supervision and law-governing environment, ect. It is necessary to carry out fragmental banking system temporarily under our domestic circumstances. But on consideration of our international environment, the blend banking system is our natural development trend.The current situation, with disadvantages like irrational administering structure by legal persons of financial instiutions, undeveloped securities market, insufficient financial supervision and imperfect financial rules, makes it impossible to carry out blend banking system immediately. The, the paper proposes a three-stage development strategy, and points out that our task at present is to creat convenient environment for transition, including establishing the supervisory efficiency, etc.
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