金融脱媒条件下的商业银行转型:是合规经营,还是疯狂扩张——来自美国花旗银行的教训

发布时间：2017-12-28 13:36

本文关键词：金融脱媒条件下的商业银行转型:是合规经营,还是疯狂扩张——来自美国花旗银行的教训　出处：《上海金融》2015年12期 　论文类型：期刊论文

【摘要】：美国花旗银行在金融市场脱媒加剧条件下,通过成功转型为全能银行,一度获得巨大成功,并成为全球金融机构学习的标杆,但花旗的激进扩张也带来一系列的违规行为和危机隐患。由此不仅导致其被重罚和被起诉,而且在次贷危机中面临破产的厄运,最终只好请求美国政府注资,转变为国有银行。花旗银行的惨痛教训表明:大型商业银行在转型中,应平衡好短期业绩高增长和长期健康运行的关系,同时政府监管部门要改进对大型金融机构的监管,防止其利用"太大而不能倒"的风险转嫁企业经营危机。
[Abstract]:The United States Citibank in the financial market disintermediation exacerbate conditions, through the successful transition to universal banking, once successful, to study and become a global financial institutions benchmark, but Citigroup's aggressive expansion has also brought a series of violations and hidden crisis. Not only did it lead to heavy penalties and prosecutions, but also faced with the doom of bankruptcy in the subprime mortgage crisis. Finally, it had to ask the US government to inject capital into state-owned banks. The painful lessons Citibank showed that large commercial banks in transition, should be a good balance between short-term and long-term high growth performance of the healthy operation and government supervision departments to improve the supervision of large financial institutions, to prevent its use of "crisis management risk of enterprises are too big to fail".
【作者单位】：上海大学管理学院;
【分类号】：F832.33
【正文快照】： 一、美国花旗银行的组织变迁与战略转型花旗银行迄今已有200多年历史,伴随国内外市场环境的变化,美国花旗银行的组织结构也不断发生变革,以适应战略转型需要。主要可分为五个阶段;1、初创阶段。花旗银行成立于1812年,但直到1914年,花旗所有业务仍然都集中在华尔街一个单一的场

【参考文献】