金融危机背景下不同混业模式的比较研究及对我国的启示

发布时间：2018-06-27 05:03

本文选题：金融危机 + 混业经营　；参考：《上海师范大学》2013年硕士论文

【摘要】：20世纪90年代以来，在金融自由化和一体化不断增强的趋势推动下，越来越多的国家放弃了原有的金融分业经营制度，走向混业经营。而金融危机的到来更是加剧了这一趋势，全球各大独立投行纷纷转型为金融控股公司，金融业兼并联合不断，，寡头化趋势不断加深。在这种背景下，中国金融业该何去何从？我们当前的分业经营体制已经越来越不适应经济形势的变化，而中国金融业也不能长期游离于世界金融体系之外，这就迫切要求我们转变旧的经营体制，开始向混业转型。当然，目前国内已经有了不少金融混业的实践，同时我们也可以借鉴国外的一些成功的模式和案例，本文通过比较分析的方法，分析了德国的全能银行、美国的金融控股公司和日本的银行控股公司三种不同模式，并对花旗银行的案例进行了剖析，仔细总结了花旗银行在金融危机中的经验教训，也为我国金融业今后的发展提供了很好的借鉴作用。中国的金融业在探索着适合中国国情的混业发展道路。然而法律制度、文化差异，金融市场发展水平、企业内控机制和风险管理等一系列条件决定了当前阶段我国并不能走全能银行和银行控股公司之路，而只能通过金融控股公司模式来实现混业，金融控股公司才是我国混业经营的现实选择。
[Abstract]:Since 1990s, with the increasing trend of financial liberalization and integration, more and more countries have abandoned the original financial separation system and moved towards mixed operation. The arrival of the financial crisis has exacerbated this trend, the world's major independent investment banks have transformed into financial holding companies, financial mergers and alliances, the trend of oligopolization is deepening. In this context, where should China's financial industry go? Our current separate management system has become more and more inadaptable to the changes of economic situation, and China's financial industry can not be separated from the world financial system for a long time, which urgently requires us to change the old management system and begin to transform to mixed operation. Of course, at present, there have been a lot of financial mixed practices in our country. At the same time, we can also learn from some successful models and cases from abroad. This paper, by means of comparative analysis, analyzes the universal banks in Germany. There are three different modes of financial holding company in America and bank holding company in Japan, and the case of Citibank is analyzed, and the experiences and lessons of Citibank in the financial crisis are summed up carefully. Also for the future development of our financial industry to provide a good reference. China's financial industry is exploring the road of mixed development suitable for China's national conditions. However, a series of conditions, such as legal system, cultural differences, financial market development level, enterprise internal control mechanism and risk management, determine that China cannot take the road of universal banks and bank holding companies at the present stage. Only through the mode of financial holding company to achieve mixed operation, financial holding company is the realistic choice of mixed operation in our country.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832

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