我国商业银行综合经营演进论文.docVIP

PAGE PAGE II 摘 要 随着金融全球化、自由化、电子信息化的加快，西方各国的银行业在经历了融合、分离的过程之后，现又走向了融合的趋势。商业银行向综合经营发展的经济理论主要包括：“转移理论”和“预期收入理论”，储蓄——投资转化理论，信息经济学理论，产业经济理论，金融深化理论。 商业银行的经营模式作为一种制度安排，它具有被创造和发生变迁、创新的理由。从制度变迁的理论看，商业银行的经营模式受到各种“外部环境”因素的影响。在不同的时空条件下其外部环境具有不同的特点，由此决定了在不同国家或同一国家的不同时期商业银行经营模式的不同。分业经营模式在经过近66年的发展之后，已由当初的一种制度的均衡走向了非均衡，这时经营模式的变革或改进能够增加社会总收益。要实现帕累托改进，获取外部利润就必须进行制度的再安排，即要从分业经营走向综合经营。 我国要实行综合经营必须营造一个良好的制度环境，根据实施综合经营的基础条件从以下几个方面进行改革：（一）加强立法工作，形成健全的法律框架体系。（二）加快银行体系改革，积极推进银行商业化进程。（三）积极推进国有商业银行之间以及与其他商业银行、非银行金融机构的兼并重组，并参与国际银行业的并购。（四）大力发展网络银行，实现网上银行业务的综合化。（五）加快资本市场的建设。（六）加大人才储备和技术投入。（七）采取积极稳步推进的宏观经济政策，包括财政、货币政策和有弹性的汇率制度。 关键词: 商业银行；综合经营；现状；对策 Abstract Following the globalization, freedom and electron of the finance, west countries’ banking has gone towards the trend of multi-operation after experiencing multi-operation and separating-operation process. The theory of the development of commercial banks’ multi-operation includes shift theory and expected-income theory, deposit-investment transformation theory, message economy theory, industrial economy theory and finance-deepen theory. As a banking system arrangement, commercial banks’ multi-operation can be created, changed and renewed. Seeing from the theory of system-transformation, commercial banks’ operation model is influenced by various outside-conditions which have different characters under different time and place. This decides that the operation model of different country or a country under different time has different type. Separating-operation has gone into an unbalanced condition after 66 years’ development. If we transform or improve the operation model now, we can increase the profit of the society. That is to say, if we want to realize Pareto improvement and gain the external profits, we must rearrange the banking system, i.e. transform separating-operation to multi-operation. If we want to implement multi-operation, we must build up a good institutional environment. According to the fundamental conditions needed by mul