分业经营与业经营的比较研究-004.doc

郑州交通职业学院 毕 业 论 文 论文题目：分业经营与混业经营的比较研究 所属系别： 经济管理系 专业班级： 10投资1班 姓 名： 王慧琳 学 号： 201008050700130 指导老师： 肖 晓 撰写日期 2013 年 4 月  摘 要 全球资本大规模的流动，金融创新层出不穷，越来越多的国家就放弃了原来关于银行业、证券业、金融业分业经营和管理的规定，允许商业银行和其他金融结构互相渗透，新的重组、并购浪潮不仅包括银行同业的兼并，同时还有商业银行与投资银行、保险公司之间的跨行业兼并重组，大银行全能化与综合化成为新潮流。分业经营已很难适应市场对金融服务的需求，新型金融产品的开发受到限制，银行、证券和金融业日趋紧密地融合，混业经营成为大势所趋。本文有银行业混业经营试点引发思考，介绍了国内外金融业发展历史，并引入关系网络理论和新制度经济学的交易成本理论对现阶段混业经营的优越性进行分析。结合我国实际指出，混业经营混业经营是我国金融业发展的必然趋向。 关键词:分业经营，混业经营,比较，研究  Abstract Mass flow of global capital, financial innovation emerge in endlessly, more and more countries gave up the original regulations on the management of the banking securities finance and decentralized management, to allow commercial Banks and other financial structure of mutual penetration, a new wave of restructuring mergers and acquisitions include not only acquire Banks, as well as between commercial Banks and investment Banks, insurance companies cross-industry mergers and reorganization, the big Banks to all-roundization and integration became the new trend of separate operation have been difficult to adapt to market demand for financial services, the development of new financial products is restricted, bank, securities and finance increasingly closely fusion of mixed management become the trend of The Times in this paper, a mixed management in banking pilot cause thinking, introduces the historical development of financial industry home and abroad, and introduced the network theory and transaction cost theory of new institutional economics Keywords: separated operation and mixed operation, comparison and research 目 录 1 引言 1 2 国内外金融模式发展 1 3 分业经营与混业经营对比分析 1 3.1从关系网络角度分析 2 3.2从交易成本角度分析 3 4 分业经营与混业经营的优劣势 5 4.1分业经营 5 4.2混业经 5 5 我国商业银行混业经营的必要性 6 5.1我国商业银行分业经营模式的弊端随着金融改革和发展 6 5.2混业经营的优势 7 6小结 8 参考文献 9 致 谢 10  1 引言 在1923年金融大危机之前，西方各国银行都实行混业经营。由于美国证券市场崩溃所引发的金融大危机的爆发，使人们认为股市崩溃和金融混乱的主要原因之一是银行参与了证券业务。此后，一些主要发达