商业银行加强银证合作问题的研究-金融学专业论文.docxVIP

商业银行加强银证合作问题的研究摘 商业银行加强银证合作问题的研究 摘 要 20世纪70年代以来，商业银行的资产在金融总资产中所占的比重呈明 显的下降趋势，现代金融领域正在发生结构性的变化。现阶段我国的实际 情况决定了我国目前仍然只能实行分业经营、分业管理的金融体制，然而 随着金融深化与金融创新的推进，混业经营已经成为全球金融业变革发展 的基本趋势，那么银证合作就成为我国现阶段，在全面实行混业经营的市 场条件尚不充分具备的条件下，成功迈向混业经营的一种过渡模式。深化 银证合作，加强银行业与证券业客户资源的共享、信息资源的共享、金融 产品的共享以及技术层面的共享，实现功能互补。现阶段，商业银行的改 革和发展要实现突破，就必须充分发挥资本市场的作用，资本市场将成为 商业银行发展的重要平台。文章还就银证合作的深远意义进行了展望，包 括通过银证合作进一步提升整个金融体系的竞争力和以银证合作为基点推 进我国金融体制由分业经营向混业经营的转变两大深远意义。 本文在结构上共分为四章：本文在结构上共分为四章： 第一章、商业银行加强银证合作问题的提出。第二章、商业银行加强 银证合作的重要意义。第三章、我国银证合作的发展历程和现状分析。第 四章、深化我国银证合作的具体策略。· 关键字：商业银行资本市场银证合作 STUDY STUDY oN COMMERCIAL BANK STRENGTHENIGN THE C0mPERATIoN WITH SECURITY MARKET Abstract Since the 1970s，Financial strucuture has underwritten two great changes：one is that the role of commercial bank in the financial system has relatively declined in some industrized countries．another is financial market esp，capital market is developing rapidly,upgrading its role in the financial system．All theses changes has resulted in some international experts worry about the future development of commercial bank．In the article,the author think it is inevitable for declining role of commercial bank and upgrading role of capital market in the modem financial system．but it docsn’t mean commercial bank will disappear from the earth．On the contract．ifthe commerciaI bank Can make full use ofthe capital and take llold of the chance，it will get the new development space．SO the author put forward clearly that the CO—operation between commercial bank and capital market is a strategic choice for the commercial bank’S future development，it put the CO-operation on to a hiell theorical level．In order to survive and develop，commercial bank must take the capital market as a platform，improving the CO-operation between commercial bank and capital market to ireprove the ability offinancial innovation and enhance its own competitiveness． Tllis thesis is composed of three four parts．In the first part，it put forward the question，it explores the challeng