中国金融业混业经营体制改革及其路径选择分析

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3.0 陈辉 2024-11-19 4 4 1.6MB 90 页 15积分
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摘 要
金融业作为国民经济运行的血液和现代经济的核心，其健康发展对于国民经
济的发展有着重要的意义。随着我国经济、金融对外开放程度的加深，我国金融
业面临的竞争压力和金融创新的压力不断增大，分业经营、分业监管的金融体制
越来越受到来自国内外的挑战，混业经营的要求和动力日益增强。目前，混业经
营体制已经成为我国金融体制改革的目标模式，改革的时机、方式以及路径的选
择成为亟待解决的问题。
本课题正是在这一背景下提出的。本文在综合分析国际国内环境的基础上，
通过大量的实证数据和案例的比较分析，力求为这一问题的解决提供一个可供参
考的方案，为我国金融业混业经营的下一步发展提供借鉴性建议。
本文共有六章内容。第一章介绍了课题的研究背景，将研究对象界定为我国从
目前的金融体制过渡到混业经营体制过程中的路径选择问题，具体包括政府政策
的变迁模式以及金融机构相应的组织结构和混业模式的选择问题；第二章为本文
研究的理论基础和文献综述，为本文的研究提供了研究思路和研究方法的借鉴；
第三章和第四章总结了全球范围内现存的金融体制及其混业经营的趋势和不同的
金融混业经营体制的改革路径，并对不同的经营体制及路径进行了分析评价；第
五章回归到对我国金融混业经营体制改革历史和现况的分析，进而对我国的混业
经营成果做了初步评价；第六章在前述三章的基础上，通过建立模型实证分析，
尝试性的构建了我国金融混业经营体制改革的路径：以银行控股公司为载体，加
强风险控制，循序渐进的稳步推行金融业混业经营实践，最终完成我国金融业分
业经营体制向混业经营体制的改革。
关键词：混业经营体制改革 路径选择 渐进过渡 银行控股公司
ABSTRACT
As the core of National Economy, finance plays an important role in the
developement of modern economy. Pressure from international compitition grows under
the background of the increasing level of openning to the outside world. Financal
system featured with the divided operation is facing challenges from home and abroad.
Comprehensive Financial System is under its way. Reality does not prevent the financial
sector from undergoing reformation. It's urgent to pioneer the mode and oppotunity of
reform.
This study is brought up under this situation exactly and is a try to answer the
question by analysising some cases and comparing lots of collective statistic and
quantitative data. Give some tips during the transformation from the divided financial
system to the comprehensive financial system.
This study consists of six parts:
The first part deals with introducing the worldwide background of finance system,
concentrating on the choice of developing direction during the finacial system
transformation. The transformation route choosing includes the changing role of
government policies, the structure of the comprehensive operating financial
organization and the pattern of mixed operation.
The second chapter contains the theories on this subject and the related literature
review, summarized the interpretation of the research in this field, providing the
research method and inspiration to this thesis.
For Chinese Finance system reform, we must actively integrate the experiences of
successful operating examples from international businesses. Chapter three and four
analysis different ways took by different countries all throungh the world which are
experimenting Comprehensive Financial System reformation ever.
The fifth chapter relates to the history and current situation of Comprehensive
Financial System reform in China, expounding on the conditions for the development of
the Chinese Finance Holdings. And then gave a primary estimate.
The last chapter raises a personal solution for Comprehensive Financial System
reformation based on the former discussion. Based on the current characteristics of
China’s financial sector, a more viable route choosing towards accomplishing the mixed
operation is a route contains three aspects:
First of all, the comprehensive financial system reformation should be held step by
step other than transferred in one time.
Secondly, the thesis is of the opinion that the setting up of Chinese comprehensive
financial holding group, should focus on commercial banking as its core, with securities
and insurance companies and other finance related businesses performing a supporting
role in the Holdings Group. This is because the credibility, stability, banking, capital and
risk management mechanisms and other areas are relatively more transparent as
compared to other related industries. Also, overseas financial groups are mainly built
with banking as its core business.
Finally, the Bank Holding Company with risk-control system will take the key part
in the process of Comprehensive Financial System reformity, and will finally lead to a
positive conclusion.
Key words: Comprehensive Financial System Reformation,
Route Choosing, Gradual transformation,
Financial Holding Company
目 录
中文摘要
ABSTRACT
第一章 绪 论 ...........................................................................................................1
§ 1.1 课题来源及意义 .......................................................................................1
§ 1.1.1 课题来源 .........................................................................................1
§ 1.1.2 研究意义 .........................................................................................1
§ 1.2 研究对象的界定 .......................................................................................2
§ 1.3 研究框架 ...................................................................................................2
§ 1.4 研究局限性 ...............................................................................................3
第二章 文献综述 .....................................................................................................4
§ 2.1 国内研究水平 ............................................................................................4
§ 2.1.1 金融体制选择——混业经营趋势 ..................................................4
§ 2.1.2 金融机构综合经营组织结构选择——金融控股公司 ..................5
§ 2.1.3 研究方法 .........................................................................................7
§ 2.1.4 国内研究水平总结 .........................................................................7
§ 2.2 国外研究水平 ............................................................................................8
§ 2.3 本章小结 ..................................................................................................11
第三章 国际金融混业经营趋势 ...........................................................................13
§ 3.1 金融体制 .................................................................................................13
§ 3.2 金融混业经营趋势 .................................................................................13
§ 3.3 金融分业与混业经营体制比较 .............................................................15
§ 3.4 本章小结 .................................................................................................17
第四章 国际金融混业经营体制改革路径分析 ...................................................18
§ 4.1 国际金融混业经营体制改革的政策选择 ..............................................18
§ 4.2 混业经营体制下不同的组织结构 ..........................................................20
§ 4.2.1 金融混业经营组织结构 ...............................................................20
§ 4.2.2 不同组织结构比较分析 ...............................................................21
§ 4.3 混业经营体制改革过程中不同的混业模式选择 ..................................23
§ 4.3.1 银行业和证券业的竞争与融合 ...................................................24
§ 4.3.2 银行业和保险业的竞争与融合 ...................................................25
§ 4.3.3 保险业和证券业的竞争与融合 ...................................................27
§ 4.3.4 信托业的分业经营与混业经营问题 ...........................................28
§ 4.3.5 不同混业模式的绩效评价 ...........................................................28
§ 4.4 美国金融体制的变迁 ..............................................................................30
§ 4.4.1 美国早期的混业金融体制 ...........................................................30
§ 4.4.2 混业经营向分业经营的过渡 .......................................................31
§ 4.4.3 混业经营体制的重新建立 ...........................................................33
§ 4.4.4 花旗集团金融控股公司之路 ........................................................37
§ 4.5 本章小结 .................................................................................................41
第五章 中国金融业混业经营的现实要求和可行性 ...........................................42
§ 5.1 中国最初的混业经营与分业经营体制的破立 .....................................42
§ 5.2 分业体制下一直存在的三类混业经营机构 .........................................44
§ 5.2.1 非银行金融机构控股——以中信集团为例 ...............................44
§ 5.2.2 国有商业银行设立投资银行规避法律——以中国银行为例 ...48
§ 5.2.3 非金融机构控股 ...........................................................................50
§ 5.3 中国金融业混业经营现状 .....................................................................50
§ 5.3.1 我国实行混业经营的现实要求 ...................................................50
§ 5.3.2 金融控股公司的新发展 ...............................................................52
§ 5.3.3 银行、保险、证券、基金的相互融合 .......................................53
§ 5.3.4 平安集团金融控股集团化改造历程 ...........................................56
§ 5.4 中国金融政策演进 .................................................................................59
§ 5.5 中国金融业混业经营结果评价 .............................................................61
§ 5.5.1 混业经营主体分析 .......................................................................61
§ 5.5.2 金融机构综合经营成果的实证分析评价 ...................................61
§ 5.5.3 金融机构综合经营组织结构分析 ...............................................65
§ 5.5.4 混业经营风险防范 .......................................................................65
§ 5.6 本章小结 ..................................................................................................66
第六章 中国金融业混业经营体制改革的路径选择 ...........................................67
§ 6.1 体制改革路径选择宗旨——渐进过渡 .................................................68
§ 6.2 金融机构综合经营组织结构选择的实证分析 .....................................68
§ 6.2.1 样本的选取 ...................................................................................68
§ 6.2.2 指标的选取 ...................................................................................70
§ 6.2.3 实证结果分析 ...............................................................................72
§ 6.2.4 本模型的局限性分析 ...................................................................73
§ 6.2.5 银行控股公司是我国金融业混业经营组织结构的现实选择 ...74
§ 6.3 金融业混业经营模式选择——风险控制为主 .....................................74
§ 6.4 金融业混业经营体制改革步骤 .............................................................75
§ 6.5 金融体制改革过程中金融机构经营策略 .............................................77
§ 6.6 金融混业经营体制改革过程中需要注意的问题 ..................................78
§ 6.7 本章小结 ..................................................................................................79
结 论 .......................................................................................................................80
参考文献 .................................................................................................................81
在读期间公开发表的论文和承担科研项目及取得成果 .....................................85
致 谢 .......................................................................................................................86
摘要：

摘要金融业作为国民经济运行的血液和现代经济的核心，其健康发展对于国民经济的发展有着重要的意义。随着我国经济、金融对外开放程度的加深，我国金融业面临的竞争压力和金融创新的压力不断增大，分业经营、分业监管的金融体制越来越受到来自国内外的挑战，混业经营的要求和动力日益增强。目前，混业经营体制已经成为我国金融体制改革的目标模式，改革的时机、方式以及路径的选择成为亟待解决的问题。本课题正是在这一背景下提出的。本文在综合分析国际国内环境的基础上，通过大量的实证数据和案例的比较分析，力求为这一问题的解决提供一个可供参考的方案，为我国金融业混业经营的下一步发展提供借鉴性建议。本文共有六章内容。第一章介绍了课题...

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作者：陈辉 分类：高等教育资料 价格：15积分 属性：90 页 大小：1.6MB 格式：PDF 时间：2024-11-19

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