我国商业银行混业经营风险研究

发布时间：2019-01-09 10:40

【摘要】：商业银行的混业经营在西方发达国家早已存在，它是随着市场经济高度发展而产生的。混业经营提高了商业银行的盈利水平，但同时也增加了商业银行可能面临的风险。随着我国经济的发展，我国政府依形势放宽了对商业银行领域的限制，近年来我国商业银行开始于涉足混业经营。在这种情况下，对比国内外商业银行混业经营的环境和相关政策，分析研究我国商业银行混业经营之后可能面临的风险，对我国商业银行今后更好的开展混业经营有着重要的现实意义。本文首先对商业银行混业经营的概念和相关理论进行了梳理，介绍了商业银行混业经营后，可能面临的风险的种类。同时结合我国的现实情况，简要阐述了推广商业银行混业经营应具备的条件、推广步骤以及我国的商业银行目前混业经营的开展情况。并且以中国银行集团股份有限公司为例，介绍了我国商业银行开展混业经营的现状在随后的章节里，本文重点分析了商业银行混业经营的风险成因，按类别剖析了商业银行分别与证券业、保险业以及基金进行联合之后，所可能面临的潜在风险，并且以中信集团为例，分析了金融控股公司这一混业经营形式的潜在风险。除此之外，还分析了现阶段我国商业银行开展混业经营可能会面临的新问题，包括后危机时代新巴塞尔协议对商业银行的影响，利率波动对我国商业银行的影响和我国商业银行可能会面临的系统性风险。在接下来的部分里，，本文提出了应对商业银行混业经营风险的策略，其中既有传统的方式，也有期望凭借我国不断增强的经济实力分散风险的新构想。传统应对方式主要是加强监管，而应对风险的新构想则可以利用资本输出和离岸市场分散风险。最后，本文还对有关部门提出了相应的政策建议。
[Abstract]:The mixed operation of commercial banks has already existed in western developed countries, and it has emerged with the development of market economy. Mixed operation raises the profit level of commercial banks, but also increases the risks that commercial banks may face. With the development of our country's economy, our government has relaxed the restriction on the commercial bank field according to the situation. In recent years, the commercial bank of our country began to set foot in the mixed operation. In this case, by comparing the domestic and foreign commercial banks' mixed operation environment and related policies, we analyze and study the risks that our commercial banks may face after the mixed operation. It has important practical significance for Chinese commercial banks to better carry out mixed operation in the future. In this paper, the concept and related theory of commercial bank mixed operation are firstly combed, and the types of risks that commercial bank may face after mixed operation are introduced. At the same time, combined with the reality of our country, this paper briefly expounds the conditions, steps and the current situation of the mixed operation of commercial banks in our country. Taking Bank of China Group Co., Ltd as an example, this paper introduces the present situation of commercial banks' mixed operation in China. In the following chapters, this paper focuses on the analysis of the risk causes of commercial banks' mixed operation. This paper analyzes the potential risks that commercial banks may face after they are combined with securities industry, insurance industry and fund separately, and takes Citic Group as an example to analyze the potential risks of financial holding company as a mixed operation form. In addition, the paper also analyzes the new problems that commercial banks may face in carrying out mixed operation at this stage, including the impact of the New Basel Accord on commercial banks in the post-crisis era. The impact of interest rate fluctuation on Chinese commercial banks and the systemic risks that Chinese commercial banks may face. In the following part, this paper puts forward the strategy to deal with the risk of commercial banks' mixed operation, which includes the traditional way and the new idea of dispersing risks with the increasing economic strength of our country. The traditional way of dealing with risk is mainly to strengthen supervision, while the new idea of dealing with risk can use capital export and offshore market to disperse risk. Finally, this article also puts forward the corresponding policy recommendations to the relevant departments.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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