中国银行业国际化的现状分析及对策选择

发布时间：2018-04-26 23:36

本文选题：金融体系 + 金融体制改革　；参考：《中共中央党校》2012年硕士论文

【摘要】：现阶段，银行业在我国金融体系中占据着主导地位。2008年9月，全球金融危机爆发，国际上很多大型金融机构尤其是银行金融机构面临着被分拆、收购和倒闭等困境。在此背景下，我们仍应该立足我国实际，顺应金融全球化发展趋势，坚定银行业国际化经营方向。本文试图从推动银行业国际化发展的相关理论分析入手，结合我国当前金融、经济发展的实际情况，着力分析我国现阶段银行业国际化进展、影响及存在的问题，并在总结西方主要经济发达国家银行业国际化的经验教训的基础上，最后在中国银行业如何国际化发展的问题上，提出了一些自己的看法。本论文的主要内容及结构安排如下：第一部分的内容是简要的介绍银行业国际化的有关概念及相关理论。关于银行业国际化的概念，至今，学术界还存在着分歧。一般认为，银行业国际化指“在各国放松国内金融监管和进行金融体制改革、实施对外开放的基础上，其经营活动跨出国界，日益与国际间各国金融融合在一起的过程和状态。”推动银行业发展的相关理论主要包括：国际贸易理论，马克思、列宁关于国际资本流动理论，对外直接投资理论及产业组织理论等。第二部分的内容是结合我国银行业国际化的具体实践，着重分析当前银行业国际化进展、影响及存在的问题。我国银行业国际化取得重大进展，增设海外金融机构，拓展海外金融业务，，更好地支持中国经济“走出去”。银行业国际化发展对企业、金融业甚至整个国家等都具有积极影响。同时，我国银行业国际化的过程中也存在着诸多体制制度方面的问题。第三部分的内容是总结了西方几个主要经济发达国家在经济全球化进程中银行业国际化的经验及教训。在这一部分中首先简要的回顾了英、美、日等主要发达国家银行业国际化的进程，然后从中总结出相关经验，最后为我国银行业国际化发展提供参考。第四部分的内容是在总结国内外银行业国际化的基础上，提出我国当前及未来一段时间应对中国银行业国际化问题的对策选择。深刻总结这次金融危机的经验教训，反思过度的、不受限制的金融创新，推进风险管理制度建设；逐步完善相关法律法规，建立与国际银行业监管接轨的适度宽松的法律环境，支持有条件的中资银行实现跨国经营；审慎推进金融体制改革，尤其是银行机构内部治理结构改革；加快推进银行海外机构网点建设，拓展银行海外经营业务等等。
[Abstract]:In September 2008, the global financial crisis broke out, many international large financial institutions, especially the bank financial institutions are facing the difficulties of being separated, acquired and closed down. In this context, we should still base on the reality of our country, conform to the trend of financial globalization, and strengthen the direction of banking internationalization. This paper tries to start with the relevant theoretical analysis of promoting the development of banking internationalization, combining with the actual situation of China's current financial and economic development, and focusing on the analysis of the current development, impact and existing problems of banking internationalization in China. On the basis of summing up the experiences and lessons of the internationalization of the banking industry in the major developed countries in the West, this paper puts forward some views on how to internationalize the banking industry in China. The main contents and structure of this thesis are as follows: The first part is a brief introduction of banking internationalization concepts and related theories. The concept of banking internationalization, so far, there are still differences in the academic community. It is generally believed that the internationalization of the banking industry means that "on the basis of the relaxation of domestic financial supervision, the reform of the financial system, and the implementation of opening to the outside world, all countries' business activities transcend national boundaries." The process and state of increasing financial integration with international countries. " The related theories to promote the development of banking include: international trade theory, Marx's and Lenin's theory on international capital flow, foreign direct investment theory and industrial organization theory. The second part focuses on the analysis of the current development, influence and existing problems of banking internationalization combined with the specific practice of banking internationalization in China. Great progress has been made in the internationalization of China's banking industry, the establishment of overseas financial institutions, the expansion of overseas financial services, and the better support of China's "going out" economy. The development of banking internationalization has a positive impact on enterprises, financial industry and even the whole country. At the same time, there are many institutional problems in the process of banking internationalization. The third part summarizes the experiences and lessons of banking internationalization in the process of economic globalization. In this part, the author briefly reviews the process of banking internationalization in the major developed countries, such as Britain, America, Japan and so on, then sums up the relevant experience from it, and finally provides a reference for the internationalization development of China's banking industry. In the fourth part, on the basis of summarizing the internationalization of domestic and foreign banking industry, the author puts forward the countermeasures to deal with the internationalization of China's banking industry at present and in the future. Summing up the experience and lessons of this financial crisis, reflecting on excessive and unrestricted financial innovation, promoting the construction of the risk management system, gradually perfecting relevant laws and regulations, and establishing a moderately relaxed legal environment in line with international banking supervision. We will support conditional Chinese banks to carry out transnational operations; prudently promote the reform of the financial system, especially the reform of the internal governance structure of banking institutions; and speed up the construction of banks' overseas institutional networks and expand their overseas operations.
【学位授予单位】：中共中央党校
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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