我国商业银行混业经营［格式要求版范文).docVIP

我国商业银行混业经营的 可行性分析 系 别：经济管理学院 专 业 班：金融1106班 姓 名： 学 号： 指导教师：韩 颖 20 年 月 我国商业银行混业经营的 可行性分析 The Feasibility Analysis of Commercial Bank’s Mixed Operation in China 摘 要 在经济一体化、金融全球化、资本流动国际化的新形势下，金融分业经营体制向混业经营体制的转换是一种不可逆转的历史潮流。长期以来比较脆弱的中国商业银行，无论是从谋求自身发展还是从应对国际竞争的角度上，都不可避免地要对这一趋势做出积极的反应。本文的写作是关于我国商业银行混业经营可行性的一些相关思考和研究。本文首先从实现混业经营的理论基础入手，分析混业经营与分业经营的不同以及商业银行进行混业经营的利与弊，并介绍了国际上其他国家银行业混业经营的状况。其次，本文通过分析我国今后实现混业经营的必然性和可行性，进一步研究我国实现混业经营在健全内部制度和完善内外部监管体制等方面所要面对的各种限制因素、内外矛盾和其他应该注意的问题，并在后文中提出了相应的对策。最后，经过全文的探讨可以得出结论，我国商业银行必将顺应趋势，逐步实现混业经营，与国际接轨，而这个过程是不断摸索前进的过程，有很多问题尚待解决。 关键词：商业银行 混业经营 分业经营 Abstract Under the cirumstances of economic integration and financial globalization, it is an inevitable tendency to transform from divided operation to mixed operation. China’s commercial banks have to respond to this tendency for the interest of their own development. This dissertation will analyse the feasibility of commercial banks’ mixed operation in China. Firstly, from the theoretical basis of mixed operation, I analyse the differences between mixed operation and divided operation as well as the advantages and disadvantages of commercial banks in mixed operations, and introduce other national banking’s mixed operations. Secondly, through analysis of the necessity and feasibility of achieving mixed operation in our country, I research on the all sorts of limiting factors, internal and external contradictions and other problems should be paid special attention when we realize mixed operation on the aspects of sound the internal system and improve the internal and external supervision system. Finally, through the discussion, it can be concluded that China’s commercial banks is bound to comply with the trend and gradually realize mixed operation with the international economy. However, this is a process of continuous exploration and advance, and there are still many problems to be resolved. Key words: commercial banks mixed operation divided operation 目 录