我国银信合作方式和监管问题研究
发布时间：2018-11-28 19:34
【摘要】：由于我国经济迅猛发展，国民人均可支配收入有了显著性的提高，同时由于金融理财产品的多样化以及理财观念的深入人心，投资者对专业化的财富管理的需求日益旺盛。传统的银行理财产品已逐渐不能满足市场的需求，银信合作理财产品通过产品创新吸引了众多投资者的目光。而我国银信合作的发展却处于法规不完善，操作不规范，发展不稳定等诸多缺点。由于银信合作不仅是简单的金融理财产品，且投、融资等金融领域业务还涉及到法律法规的制定，关系到整个国内金融市场健康发展等方面的问题。因此对银信合作方式和监管进行深入研究具有理论和现实意义。 本文将融合银信合作各方面，，较全面对我国银信合作的方式和监管的沿革进行分析，同时具体研究日、美、德三国金融业经营模式的发展变革历程并与中国金融业发展现状进行比较，对中国金融业定位，探讨经营模式的转变及相对应的监管政策的改变对我国的启发。本文将对银信合作模式及其监管政策进行有益的探索，并提出银行与信托合作方式和监管模式的发展创新的若干建议。 分业经营模式下监管法律制度具有严格性与独立性，其定位于中国现阶段金融业发展的法律制度特征，并随着金融一体化的深入发展以及我国银信合作更进一步的发展。监管政策应秉持综合立法、综合监管，模糊机构界限，“功能型”监管的原则，方能保证金融市场和国家经济的稳定发展。
[Abstract]:Due to the rapid development of economy in China, the per capita disposable income of the people has been improved significantly. At the same time, because of the diversification of financial products and the popularity of financial management concept, investors' demand for specialized wealth management is increasingly strong. Traditional banking financial products have been unable to meet the needs of the market gradually, the bank and credit cooperation financial products through product innovation attracted the attention of many investors. However, the development of bank-trust cooperation in China has many shortcomings, such as imperfect regulations, irregular operation, unstable development and so on. Because the cooperation of bank and letter is not only a simple financial management product, but also related to the formulation of laws and regulations, and related to the healthy development of the whole domestic financial market. Therefore, it is of theoretical and practical significance to study the cooperation mode and supervision. This paper will integrate all aspects of bank and letter cooperation, more comprehensive analysis of China's bank and letter cooperation mode and regulatory evolution, at the same time the specific study of Japan, the United States, This paper compares the development and transformation of German financial business model with the present situation of China's financial industry, and probes into the changes of management mode and corresponding regulatory policies to China. This paper will make a beneficial exploration on the cooperation mode of bank and trust and its supervision policy, and put forward some suggestions on the development and innovation of the cooperation mode between banks and trusts and the supervision mode. The legal system of supervision is strict and independent under the mode of separate operation, which is positioned at the present stage of the development of the financial industry in China, and with the further development of financial integration and the further development of the cooperation between bank and credit in China. The supervision policy should adhere to the principles of comprehensive legislation, comprehensive supervision, blurred institutional boundaries and "functional" supervision, in order to ensure the stable development of the financial market and the national economy.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1
本文编号：2364054
[Abstract]:Due to the rapid development of economy in China, the per capita disposable income of the people has been improved significantly. At the same time, because of the diversification of financial products and the popularity of financial management concept, investors' demand for specialized wealth management is increasingly strong. Traditional banking financial products have been unable to meet the needs of the market gradually, the bank and credit cooperation financial products through product innovation attracted the attention of many investors. However, the development of bank-trust cooperation in China has many shortcomings, such as imperfect regulations, irregular operation, unstable development and so on. Because the cooperation of bank and letter is not only a simple financial management product, but also related to the formulation of laws and regulations, and related to the healthy development of the whole domestic financial market. Therefore, it is of theoretical and practical significance to study the cooperation mode and supervision. This paper will integrate all aspects of bank and letter cooperation, more comprehensive analysis of China's bank and letter cooperation mode and regulatory evolution, at the same time the specific study of Japan, the United States, This paper compares the development and transformation of German financial business model with the present situation of China's financial industry, and probes into the changes of management mode and corresponding regulatory policies to China. This paper will make a beneficial exploration on the cooperation mode of bank and trust and its supervision policy, and put forward some suggestions on the development and innovation of the cooperation mode between banks and trusts and the supervision mode. The legal system of supervision is strict and independent under the mode of separate operation, which is positioned at the present stage of the development of the financial industry in China, and with the further development of financial integration and the further development of the cooperation between bank and credit in China. The supervision policy should adhere to the principles of comprehensive legislation, comprehensive supervision, blurred institutional boundaries and "functional" supervision, in order to ensure the stable development of the financial market and the national economy.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1
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