金融自由化时代的银行制度变迁研究-金融学专业论文.docxVIP

，Y573056摘要 ，Y573056 摘要 综戏历史发现状，钺行作为金融制度的重按组成部分在经济发燧鲫金融体系 中浚幸挈麓不言悉唆。然嚣孬赣今不论实监暴还是壤论赛，努存在羞一糖对壤牙存在 边赛的酱遍关注，甚至列锻行存在的必要性提出鼹疑。一个系统只商夜不断和外 界进行物质交换和交流，并在发展的过程中进行调适，才能保持自己的青春活力。 银行作为一个制度系统，熬生存和发展的过程也是银行制度不断调邋的过程。 鬣近二三十年是金融龟幽化风糜全球的时翅，也是银行制度变迁葶鞋发展最为 逐速豹#李溪。垂主{堡纪70年代以来，“金融窭潮位”成为诺多琶窳不褥不玩麴 一个“游戏”，金融自幽化促进了金融发展，提离资金利用效率：同时也导致了 各类金融机构生存环境的匦大变化，金融自由化给传统银行带来了制度变迁的巨 大压力和铷度创新的新动力，镲行业在金融自山化避程中对其所面I晒的时空环境 转换豹逡疲阑蘧疫为了键纾生存与发晨的孩心翊踅。本文即是羞躐予金融蠡由纯 时代，即囊上世纪70年代以来，各国银行制壤舶变迁和发最，运鞠新制度经济 警的方法米分析金融 E剥讯行制度变迁的影响羽l讯行制度变迁蹄径，并结合 典型国家金融自由化过程中银行制度变迁轨迹的考察，分析我国在盒融管制逐步 放松遥稷中银行{}；l{度发展和变迁的方向和路经。 关缝潮：锻彳亍制度变迁惫黜自凼化管制放松 调适路径依赖 AbstractAccording Abstract According to the history and present situations，banking system is always an important member of the financial system and plays an unconvincing role in the financial syStem。But there is a voice both from the practice and theory,，the edge of the bank were always in hot debate，some theorists suspected the inevitability of the bank’s existence．A system㈨remain in existence and keep its youth only by way of exchanging with outside systems，and keeps pace with tile development of the outside environments。Being a system，the bank Can only remain existence and develop through continuing adjustment． Those two or three decades is the era of the global financial liberalization，and also the era ofthe overwhelming development of baIll(s．Most countries treat financial liberalization as an unavoidable“GAME”which must be played．But financial liberalization not only brought the advantages，but also changed the living cnvironnlelllS el’lbe banks．Financial liberalization brought the pressure of institutional change of banks and the impetus of innovation of banks，How to make adjustment became the essential problem that the banks were greatly concerned．This thesis will focus。Oil the institutional chb_nges of banks。in the era of financial liberalization from the 1970s，analyzing the institutional changes of banks with the theory of New-lnstitution Economics，investigating the institutional chang