金融全球化与中国商业银行的发展策略-金融学专业论文.docxVIP

PAGE PAGE 10 论文提要 本论文的研究重点放在我国商业银行应对金融全球化的全局战略这一层次 针对当前金融全球化的最新发展趋势和特点 深入分析其对我国商业银行的影响 以及我国已采取的措施 指出目前存在的不足 进而提出了全面的改进措施 论文首先对金融全球化的成因及特点进行了阐述 指出我国商业银行在内部 体制 运作机制 经营手段 监管能力 人才培养等方面存在诸多不足 并进而 陈述了我国商业银行近年来在货币政策机制 金融体制 金融监管 清理整顿有 问题的金融机构 对外开放 健全和完善金融法规等方面采取的卓有成效的改革 但同时也指出目前我国国有商业银行还未能做到完全的商业化运作 商业银行整 体结构不合理 创新步伐缓慢 监管水平仍较低 严格的分业经营和管理与国际 金融发展趋势相背离 这些都阻碍了我国商业银行的进一步发展 针对上述问题 论文系统论述了我国商业银行应采取的进一步改进措施 加 快我国商业银行体制改革 建立真正意义上的商业银行制度 逐步实施利率市场 化改革 进一步完善以市场供求为基础的 单一的 有管理的浮动汇率制度 积 极稳妥地推进商业银行混业经营 建立和完善适应金融全球化和商业银行市场化 改革的金融监管体系 加强金融风险管理 加快我国金融创新的步伐 依靠信息 技术 积极加强我国商业银行金融网络化的改革 增强银行的核心竞争力 加快 银行人事与分配制度的改革 建立全新的与国际接轨的激励机制和人才培养战略 和培训机制 Abstract In this essay, the author focused on the study of the overall strategy of our commercial banks in coping with financial globalization. In accordance with the current up-to-date development trend and features of financial globalization, the author analyzed in depth the impact it will have on our commercial banks and the measures we have adopted, and pointed out the existing demerits, and then put forward the overall improving measures. First of all, in the essay, the author set forth the cause and features of financial globalization, and pointed out many existing demerits of our commercial banks in internal system, operational mechanism, management means, monitoring and supervisory capability and personnel cultivation. And then the author stated the fruitful reform our commercial banks have carried out in recent years in monetary policy mechanism, financial system, financial monitoring and supervisory, cleaning up the problematic financial institutions, opening to the outside world, completing and perfecting financial rules and regulations. In the meantime, the author also pointed out that the operations of our national commercial banks have not been fully commercialized, the overall structure of our commercial banks is not rational, the steps of innovation are slow, the monitoring and supervisory level of our commercial banks needs to be impro