论商业银行发展的战略方向——大整合.docVIP

? ? ? ?论商业银行?发展的战略?方向——大?整合 内容?概要21世?纪是知识经?济与新金融?时代,国际?银行业最为?引人注目的?特征是银行?业并购事件?层出不穷,?数量之多,?斥资之巨,?规模之大.?形成了席卷?全球的银行?并购浪潮,?并涌现出了?一大批国际?银行业的?超级巨无霸?式的金融?机构.打破?了对银行业?经营地域的?限制和分业?管制,实行?银行,证券?,保险,信?托混合经营?,反映了现?代商业银行?的业务逐步?向全能化,?国际化,规?模化,新技?术化发展趋?势.本文阐?述了商业银?行作为现代?金融企业,?其整合和购?并的动因和?目标是多元?化,购并这?一过程的顺?利进行需要?有一个良好?的制度环境?给予支持.?分析了我国?商业银行的?现状.提出?我国银行业?并购的做法?和建议:进?行国有独资?商业银行的?内部整合;?进行国有独?资商业银行?的之间的并?购;进行国?有独资商业?银行与股份?制银行之间?的并购;进?行中国银行?业对外资银?行的并购;?进行银行业?对非银行金?融机构的并?购.Abs?tract?The 2?1st c?entur?y is ?grant?ed as? a kn?owled?ge-ec?onomy? and ?innov?ation?-fina?nce e?ra. T?he mo?st sp?ectac?ular ?featu?re in? the ?inter?natio?nal b?ankin?g ind?ustry? is M? A on?e aft?er an?other? amon?g ban?ks wi?th a ?large? scal?e and? grea?t qua?ntity?, hen?ce re?sulti?ng in? the ?wave ?that ?swept? the ?whole? worl?d and? the ?appea?rance? of s?uper ?finan?cial ?insti?tutio?ns. T?hese ?insti?tutio?ns ha?ve no?t bee?n res?trict?ed by? bank?ing o?perat?ion a?rea a?nd se?parat?ely m?anage?ment ?syste?m, bu?t can? enga?ge in? the ?field? of b?ankin?g, se?curit?y, in?suran?ce an?d tru?st, e?tc, w?hich ?refle?cts t?he tr?end t?hat t?he bu?sines?s of ?modem? merc?ial b?anks ?have ?inter?natio?naliz?ed an?d syn?thesi?zed a?nd te?chnic?ally ?innov?ated.? This? arti?cle d?emons?trate?d tha?t mer?cial ?banks? as a? mode?rn fi?nanci?al en?terpr?ise e?nterp?rise ?aimed? at v?ersat?ility? thro?ugh m?erger? and ?acqui?sitio?n. Th?is pr?ocess? that? M A ?will ?be su?ccess?ful r?equir?es a ?suita?ble e?nviro?nment?. Fur?therm?ore, ?it al?so gi?ve so?me su?ggest?ion a?bout ?the p?rogre?ss fo?r M A? amon?g ban?ks in? chin?a, wh?ich i?s as ?follo?wing;? the ?integ?ratio?n ins?ide t?he st?ate-o?wned ?merci?al ba?nks; ?the m?ergin?g bet?ween ?the s?tate-?owned? merc?ial b?anks;? the ?mergi?ng be?tween? stat?e-own?ed me?rcial? bank?s and? join?t-sto?ck ba?nks; ?mergi?ng fo?reign? bank?s int?o Chi?nese ?banks? and ?mergi?ng no?n-ban?k fin?ancia?l ins?titut?ion i?nto b?anks.? 论文提纲?一,国内外?银行业的购?并概况介绍? (一?)商业