论文标题:对我国金融业实行混业经营的思考
Analysis on Independence Principle and Fraud of Letter of Credit
论文作者 冯琳
论文导师 王维安,论文学位 硕士,论文专业 金融
论文单位 浙江大学,点击次数 386,论文页数 36页File Size1905k
2001-11-28论文网 http://www.lw23.com/lunwen_3833652/ 我国金融业,混业经营
Finance of our coutry,multi-operation business
本文主要阐述的是在我国加入WTO和全球经济一体化的形势下，对我国金融业实行分业、混业经营的思考。指出当前分业经营存在的问题，及实行混业经营的障碍和必要性、可行性，并给出混业经营的思路与建议。 论文第—部分，概述了西方国家和我国金融业经营制度的历史演进，并对混业、分业经营的利弊进行对比分析。 第二部分，从目前我国面临的外部环境与我国金融业自身发展的要求出发，得出混业经营的迫切性和必要性，并论证混业经营不是经济危机、金融风险的根源，指出当代条件下，商业银行“内在不稳定性”的蜕化问题，从反面论证实行混业经营的可行性。 第二部分，具体分析我国实行混业经营在市场体制、立法、监管等方面存在的障碍，以及国有商业银行的产权结构对实行混业经营的影响。 第四部分，分析我国实行混业经营的思路。具体给出我国混业经营的模式，实行混业经营目前应做好的几项准备工作和配套的改革，以及对目前监管体制的看法与实行混业监管的建议。
The main point of the paper is to illustrate that thinking about segregating banking system or universal banking system of our coutry" finance under the change of international banking industry and WTO is coming to china.Firstly, The paper introduces to processes of the practice and developmentof the western multi operation buiness system.lt also discuss the historic background in china was formed and its realistic selection.In addition,it gives an analysis and comparation between segregating and universal banking systemSecondly,the paper presents a series of problems in china about the segregating banking system,meanwhile,also discusses its urgentment and necessity.Thirdly,the paper anlayzes the condition in china at the moment and presents some major problems or abstuction about universal banking system,such as:banking law and policy,banking controlling itself, marketing of banking and etcFinally,is the most important,the paper propund the proposals for building up the universal banking system in china , At the same time,give some things which will be prepared before the universal banking system coming to.paper also presents the importance about the reform of the banking supervisonThe supervisory focus will be shifted from separating supervision to unified supervision, and propund some opinions on China"own characteristics.
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