我国银行业与业合作的方式、问题与发展对策建议.docVIP

PAGE 第 PAGE 1 页 （共 NUMPAGES 17 页） 我国银行业与证券业合作的方式、问题与发展对策建议 中文摘要 当前国际金融业的主流是混业经营，我国金融体制改革已经进入最后攻坚阶段。目前我国银行业与证券业实行的是分业经营与分业监管，随着我国经济的持续健康发展及金融市场的不断完善，加强银证合作已成为我国金融市场发展的重要趋势。本文通过阐述现阶段我国银行业与证券业合作的三种主要方式即外部一般型业务合作、外部业务分工型合作、组织与股权合作，分析了我国银证合作的现状及存在的主要问题。目前我国银证合作尚处于初级阶段，银证合作的深度、广度不够，合作比较松散，银行和券商的作用和优势都没有充分发挥出来。而银证合作中部分制度的缺失和不规范，存在的政策性风险也阻碍了我国银证合作的深入。鉴于以上我国银证合作中存在的主要问题，文章从解放思想，拓展银证合作领域，挖掘增值服务；构建优势互补、资源共享的银证合作平台，提升合作效益；建立有效的融资机制，打通银行与资本市场的资金循环渠道；构建相关法律法规政策体系，确保银证合作有序发展四个方面提出了面对新形势，我国应如何把握市场发展机遇，加强银证合作。 关键字：银证合作 混业经营 分业经营 Abstract The current international financial sector is the mainstream of mixed operations, Chinas financial reform has entered the final critical stage. At present, Chinas banking and securities industry is the implementation of the business and separate supervision, as Chinas economy and the sustained and healthy development of financial markets continue to improve and strengthen cooperation has become a silver card in Chinas financial market development of important trends. Based on the present stage of Chinas banking and securities industry cooperation in three main ways that the external general-business, business division of external cooperation, the organization and equity cooperation, analysis of Chinas Bank Card cooperation and the status of the major problems. At present, Chinas silver card is still in the initial stage of cooperation, silver card cooperation depth, breadth enough, relatively loose cooperation, the role of banks and brokerage firms and the advantages are not given full play. Bank card and cooperation in the missing part of the system and not standardized, the policy also hindered the risk of in-depth cooperation between the silver card. In light of the above-China cooperation in the cards the main problems, articles from emancipating the mind and expand areas of cooperation silver card, mining value-added services; build complementary advantages, the sharing of resources of silver card platform of cooperation, enhance