关于我国银行并购问题的探讨-区域经济学专业论文.docxVIP

摘要上个世纪末以来发生的大规模的银行并购，展示了全球银行业 摘要 上个世纪末以来发生的大规模的银行并购，展示了全球银行业 发展的新趋势。由于种种原因，银行并购目前在我国并没有形成主 流趋势，但银行并购仍不失为解决国内银行诸多矛盾和加快发展的 一条有效途径。正是从这点出发，本文就我国的银行并购进行探讨。 中国加入WTO后，开放金融市场，银行参与国际竞争的日程日益 紧迫。而目前，我国银行体制改革尚未完成，银行机构设置重复， 交易费用成本偏高，经营效率低，国际竞争力弱，机构设置重复严 重，效益低下，银行内部可谓矛盾重重。本文正是立足于这种情况， 从银行并购的理论动因分析入手，分析国际银行并购对我国银行发 展的重要影响和我国银行并购的现状，总结我国银行并购取得的成 就及存在的问题，并以此为基础，进一步分析发展我国银行并购的 必要性和可能性。本文认为，银行并购不仅能解决银行内部矛盾， 还能提升银行的竞争力，从而促进银行的发展，任何对发展我国银 行并购的忽视可以说是对未来机遇的丧失。最后，本文还从外部制 度环境和内部微观层面出发，对发展我国银行并购过程中应该遵循 的具体措施，提出了一些建议。希望能够为发展我国银行并购提供 一些理论参考和实践意义。 关键词：银行并购 国有商业银行 股份制商业银行 银行产权 AbstractThe Abstract The extensive bank MA happened since at the end of last centu吼 which has shown the new developing trend of global bank．The bank MA has not formed the major trend in our country at present because of various reasons，but the bank MA still can be regarded as an effective way which SOlVeS a great deal of contradictions in domestic bank and develops bank even faster．Exactly proceed from this point， this article probes into the bank MA of our country．The schedule that China opens the financial market and the bank participates in international competition is urgent day by day after China joins WTO． And at present，the system reform of bank of our country has not finished yet，the organization structuring of the bank is repeated seriously,the wade expenses cost is very high，the management efficiency is low,the international competitiveness is weak．It may be said that the contradiction is very heavy inside the bank．Exactly bases on this kind of situation，this article starts from the theory reasons of the bank MA，analyze the important influence of the international bank merges on the bank development of our country and our current bank MA，and summarize the achievement we have made and existing problem．The article analyzes further the necessity and possibility of promoting bank MA in our country on base of above．This article put forward that the bank MA can not only Call solve the contradiction inside the bank