台湾金融控股公司发展研究与借鉴

发布时间：2019-03-23 15:41

【摘要】：全球科技进步的步伐越来越快,信息传递的速度也逐渐加快,在这个信息爆炸的时代,金融业不得不进行改革以跟上时代的脚步,而金融控股公司就是金融改革之下的产物之一。随着金融市场发展逐渐成熟,大众对金融商品的需求也越来越大,并且越来越多元化,单一性服务的金融机构已无法满足市场。加上融资业务不再以过往的银行融资为主,而有其它金融机构所提供的商品可替代,由此可见,金融机构之间的界限开始呈现模糊不清,而其功能也开始有所重复。因此,金融业开始出现混业经营的模式,而金融控股公司则属于混业经营的选择之一。台湾于1990年代开始实行金融自由化与国际化的政策,虽然政策的重点是为了提升台湾金融业的竞争能力,并与国际接轨,但其过度开放的结果却带了许多问题。在岛内金融机构日益增加的情况下,政府以政策鼓励金融机构合并,并且引入金融控股公司的机制,希望能以并购多业务的方式扩大自身规模,以提升台湾金融业的竞争能力。台湾的金融控股公司发展至今已有10年,依台湾岛内的经济环境与文化等,岛内的金融控股公司在发展出自有的特色。近年来,中国大陆经济成长迅速,金融市场也逐渐被受重视。在全球金融机构重视混业经营,且中国大陆在对外开放金融市场的状况之下,其金融机构也面临着国际上激烈的竞争。若要提升中国大陆之金融机构的竞争能力,必须完善金融制度,并且推行综合经营。本文先对金融控股公司等相关文献做简述,接着探讨台湾金融控股公司的背景,并概述台湾金融控股公司的现状。在对台湾金融控股公司的监管与经营两方面进行研究,并整合出其特点。在最后结合大陆混业经营的现状,以台湾的经验提出给大陆的借鉴。
[Abstract]:The pace of global scientific and technological progress is getting faster and faster, and the speed of information transmission is also accelerating gradually. In this era of information explosion, the financial industry has to carry out reforms to keep pace with the pace of the times. And the financial holding company is one of the products of the financial reform. With the maturity of the financial market, the public demand for financial commodities is increasing, and more diversified, single service financial institutions have been unable to meet the market. Coupled with the fact that the financing business is no longer dominated by past bank financing and is replaced by goods provided by other financial institutions, the boundaries between financial institutions are beginning to be blurred, and their functions are beginning to duplicate. Therefore, the financial industry began to appear mixed operation mode, and the financial holding company is one of the options of mixed operation. Taiwan began to implement the policy of financial liberalization and internationalization in the 1990s. Although the focus of the policy is to enhance the competitiveness of Taiwan's financial industry and to meet the international standards, the result of its excessive opening up has brought many problems. With the increasing number of financial institutions on the island, the government has adopted policies to encourage the merger of financial institutions, and introduced the mechanism of financial holding companies, hoping to expand its size through mergers and acquisitions in order to enhance the competitiveness of Taiwan's financial industry. Taiwan's financial holding companies have been developing for 10 years. According to the economic environment and culture on the island, the financial holding companies on the island are developing out of their own characteristics. In recent years, mainland China's economy has grown rapidly, and the financial market has been paid more and more attention. Under the condition of opening up financial market to the outside world, the global financial institutions attach importance to the mixed operation, and their financial institutions are also facing fierce competition in the world. In order to enhance the competitiveness of financial institutions in mainland China, we must perfect the financial system and carry out comprehensive operation. This paper makes a brief introduction to the related literature such as Financial holding Company, then discusses the background of Taiwan Financial holding Company, and summarizes the present situation of Taiwan Financial holding Company. Research on the supervision and management of Taiwan financial holding company, and integrate its characteristics. Finally, combined with the current situation of mixed operation in mainland China, this paper puts forward a reference to the mainland with Taiwan's experience.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.39

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