吴少芳-20121204011038-美国富国银行(WellsFargo)的快速发展原因及其对我国商业银行的借鉴意义资料.docVIP

毕 业 论 文 学生姓名： 吴少芳 学 号：20121204011038 系别班级： 国际教育学院12金融本科班 专业（方向)： 金融学 题 目： 美国富国银行（Wells Fargo）的快速 发展原因及其对我国商业银行的借鉴意义 指导者： 付山亮 讲师 (姓 名) (专业技术职务) 评阅者： (姓 名) (专业技术职务) 2016 年 4 月 20 日  毕业论文中文摘要 美国富国银行（Wells Fargo）的快速发展原因及其对我国商业银行的借鉴意义 摘要： 在美国社区银行是金融体系的主要部分。在几百年的浮沉中，美国银行的结构经过了多次变革，有许多银行没落甚至消亡。但是有一家银行却始终坚持自身发展的理念，能够在危机中独善其身，在平稳中稳步创新，成为美国社区银行的典型代表，这就是美国富国银行。 我国的社区银行发展刚刚起步年份尚短，却已经成为我国众商业银行的改革热门。因为监管制度不完善、风险不可控和相关机制存在缺陷，发展阶段困难重重。近年来，我国也出台了相关文件，鼓励发展社区银行。本文将研究富国银行快速发展的原因，根据我国商业银行目前发展的现状和所面临的问题提出有利于我国商业银行发展的建议。 关键词：社区银行 发展现状 发展策略  毕业论文外文摘要 Title The Rapid Development of The Reasons Wells Fargo and The Significance For Chinas Commercial Banks Abstract: Community Bank is an important part of the US financial system. In the United States several hundred years of ups and downs in the banking sector, the structure of Bank of America after a number of changes. There is a bank has always adhere to the concept of self-development, immune from the crisis in a stable steadily innovation, as a representative of the American Community Bank, which is Wells Fargo. Community Bank of Chinas development has just started the year still short, but it has become popular all commercial banks reform. Because the regulatory system is imperfect, flawed and uncontrollable risks associated mechanisms, stage of development difficult. Today community economic development momentum is booming, China has also introduced the relevant documents, encourage the development of community banks to meet the demand for community banks, the paper studies the reasons Wells Fargo rapid development, and the status quo of Chinas commercial banks are currently developing and faces Chinas commercial banks have put forward in favor of the development of the recommen