本文選題：商業(yè)銀行 + 跨界經(jīng)營(yíng)��； 參考：《河北大學(xué)》2013年博士論文

【摘要】：當(dāng)前，我國(guó)商業(yè)銀行正處于一個(gè)重要的變革時(shí)期：從經(jīng)營(yíng)單一的傳統(tǒng)商業(yè)銀行業(yè)務(wù)向綜合化經(jīng)營(yíng)邁進(jìn)。在此變革時(shí)期，商業(yè)銀行在綜合化經(jīng)營(yíng)試點(diǎn)的外部推動(dòng)和自身戰(zhàn)略安排的內(nèi)在要求下，跨界經(jīng)營(yíng)活動(dòng)頻繁。在“分業(yè)經(jīng)營(yíng)、分業(yè)監(jiān)管”的現(xiàn)行體制下，如何從理論、現(xiàn)狀、路徑及風(fēng)險(xiǎn)防范等方面對(duì)商業(yè)銀行跨界經(jīng)營(yíng)問(wèn)題做系統(tǒng)研究，以期做好商業(yè)銀行跨界經(jīng)營(yíng)活動(dòng)的內(nèi)外部風(fēng)險(xiǎn)控制，妥善采取相應(yīng)風(fēng)險(xiǎn)控制策略，這已成為當(dāng)前一個(gè)理論性和現(xiàn)實(shí)性都十分緊迫的研究課題。 本文依托當(dāng)前金融領(lǐng)域最新研究成果，，運(yùn)用功能金融觀點(diǎn)、金融演進(jìn)理論及市場(chǎng)邏輯相關(guān)理論，采取比較分析、制度分析、理論與實(shí)證分析相結(jié)合等方法對(duì)當(dāng)前我國(guó)商業(yè)銀行跨界經(jīng)營(yíng)活動(dòng)進(jìn)行了多維度、多視角的研究。 本文共七章。第一章，就選題背景、意義、研究目標(biāo)和相關(guān)創(chuàng)新點(diǎn)做了概括性描述。第二章，對(duì)跨界經(jīng)營(yíng)相關(guān)概念進(jìn)行了界定，重點(diǎn)從理論層面介紹了功能金融觀點(diǎn)、金融演進(jìn)理論及市場(chǎng)邏輯相關(guān)理論；接著從實(shí)踐的角度，探討商業(yè)銀行跨界經(jīng)營(yíng)邊界，并深入分析了跨界經(jīng)營(yíng)對(duì)實(shí)體經(jīng)濟(jì)、產(chǎn)業(yè)結(jié)構(gòu)、市場(chǎng)主體三個(gè)層面的影響。第三章，通過(guò)國(guó)內(nèi)外商業(yè)銀行跨界經(jīng)營(yíng)的現(xiàn)狀比較，提出要解決商業(yè)銀行跨界過(guò)程中存在的問(wèn)題，必須對(duì)我國(guó)銀行產(chǎn)權(quán)制度進(jìn)行徹底的改革創(chuàng)新，使商業(yè)銀行成為真正市場(chǎng)意義上的獨(dú)立主體，進(jìn)而才能在跨界經(jīng)營(yíng)上相機(jī)抉擇自身的發(fā)展模式和組織架構(gòu)。第四章，介紹了商業(yè)銀行不同的跨界經(jīng)營(yíng)模式，并提出當(dāng)前商業(yè)銀行跨界次序安排的合理建議。第五、六兩章是本文的重點(diǎn)，其中第五章，針對(duì)商業(yè)銀行跨界經(jīng)營(yíng)面臨的不同風(fēng)險(xiǎn)，提出商業(yè)銀行跨界經(jīng)營(yíng)風(fēng)險(xiǎn)內(nèi)部控制措施。圍繞跨界經(jīng)營(yíng)活動(dòng)，商業(yè)銀行的內(nèi)部風(fēng)險(xiǎn)控制措施主要有建立理財(cái)產(chǎn)品內(nèi)部風(fēng)險(xiǎn)評(píng)級(jí)體系及完善跨界業(yè)務(wù)內(nèi)部流程兩個(gè)方面。而在內(nèi)部風(fēng)險(xiǎn)控制體系建設(shè)上，商業(yè)銀行可以通過(guò)設(shè)置不同性質(zhì)“防火墻”，將跨界業(yè)務(wù)風(fēng)險(xiǎn)進(jìn)行有效隔離阻斷。第六章，在借鑒國(guó)際經(jīng)驗(yàn)的基礎(chǔ)上，創(chuàng)新性提出我國(guó)跨界經(jīng)營(yíng)風(fēng)險(xiǎn)外部監(jiān)管體系演進(jìn)“三步走”戰(zhàn)略。通過(guò)“三步走”戰(zhàn)略設(shè)想的實(shí)施，最終建立我國(guó)活躍的、有彈性的、全面的外部風(fēng)險(xiǎn)監(jiān)管體系。本文最后即第七章，就主要結(jié)論和創(chuàng)新做了總結(jié)歸納。 本文的基本結(jié)論是： 1．商業(yè)銀行跨界經(jīng)營(yíng)是一個(gè)動(dòng)態(tài)變遷的過(guò)程。單純從金融經(jīng)營(yíng)制度角度，靜態(tài)分析跨界行為的好壞，無(wú)疑具有很大的局限性。 2.根據(jù)功能金融觀點(diǎn)、金融演進(jìn)理論及市場(chǎng)邏輯推演，在遵循市場(chǎng)邏輯的基礎(chǔ)上，充分發(fā)揮金融機(jī)構(gòu)作為市場(chǎng)主體的獨(dú)立性，能夠?qū)崿F(xiàn)金融效率的最優(yōu)。 3.我國(guó)商業(yè)銀行的跨界經(jīng)營(yíng)在更大程度上講是金融機(jī)構(gòu)順應(yīng)金融發(fā)展趨勢(shì)的戰(zhàn)略性安排，而非當(dāng)前市場(chǎng)需求誘致。 4.我國(guó)分業(yè)監(jiān)管體制與當(dāng)前現(xiàn)實(shí)跨界經(jīng)營(yíng)活動(dòng)之間的不協(xié)調(diào)性日益凸顯。而要解決這一問(wèn)題，則對(duì)當(dāng)前監(jiān)管體系進(jìn)行系列改革成為必然之舉。 5．當(dāng)前，我國(guó)商業(yè)銀行跨界經(jīng)營(yíng)以“業(yè)內(nèi)跨界”為主，“業(yè)間跨界”為輔，且商業(yè)銀行“業(yè)內(nèi)跨界”主要基于“資本”和“契約”兩個(gè)層次。在不損害金融效率并確保金融安全的前提下，商業(yè)銀行跨界次序安排上應(yīng)遵循先易后難的原則，按照“先境內(nèi)、后境外”、“先業(yè)內(nèi)、后業(yè)間”、“先大型、后中小”跨界經(jīng)營(yíng)次序有重點(diǎn)、有先后的展開(kāi)推進(jìn)。 6.商業(yè)銀行跨界經(jīng)營(yíng)風(fēng)險(xiǎn)內(nèi)部控制是一個(gè)系統(tǒng)性的工程。未來(lái)，商業(yè)銀行跨界經(jīng)營(yíng)風(fēng)險(xiǎn)內(nèi)部控制體系建設(shè)應(yīng)該從設(shè)置不同性質(zhì)“防火墻”出發(fā)，商業(yè)銀行內(nèi)部將跨界業(yè)務(wù)風(fēng)險(xiǎn)進(jìn)行有效隔離阻斷。 7.借鑒國(guó)外發(fā)達(dá)國(guó)家經(jīng)驗(yàn)，本文提出我國(guó)跨界經(jīng)營(yíng)風(fēng)險(xiǎn)外部監(jiān)管體系演進(jìn)“三步走”戰(zhàn)略。其具體安排為：第一步是確立金融監(jiān)管重點(diǎn)，實(shí)施重點(diǎn)監(jiān)管策略，提高我國(guó)商業(yè)銀行跨界經(jīng)營(yíng)風(fēng)險(xiǎn)外部監(jiān)管體系的運(yùn)行效率；第二步實(shí)施徹底的“功能型監(jiān)管”新理念，從當(dāng)前的機(jī)構(gòu)分類監(jiān)管向徹底的“功能型監(jiān)管”過(guò)渡；第三步建立“大部制”下統(tǒng)一的金融監(jiān)管體制，從分業(yè)監(jiān)管體制向統(tǒng)一監(jiān)管體制逐漸過(guò)渡。 以上第5點(diǎn)和第7點(diǎn)結(jié)論，也是本文的創(chuàng)新之處。
[Abstract]:At present, China's commercial banks are in an important period of change: from a single traditional commercial bank business to a comprehensive operation. In this period of change, the commercial banks, under the internal requirements of the external promotion of the comprehensive management pilot and the internal requirements of their own strategic arrangements, have frequent cross-border operations. Under the current system, how to do systematic research on the cross-border operation of commercial banks from the aspects of theory, status, path and risk prevention, so as to do well the internal and external risk control of commercial banks' cross-border operation activities and appropriate risk control strategies, which has become a very urgent study of the former theory and reality. Subject.
Based on the latest research results in the current financial field, this paper uses the functional financial viewpoint, the financial evolution theory and the market logic theory, and adopts comparative analysis, institutional analysis, theory and empirical analysis to carry out multidimensional and multi perspective research on the current cross-border operation of commercial banks in China.
In this paper, there are seven chapters. Chapter 1, a general description is made on the background, significance, research objectives and related innovation points. In the second chapter, the concepts of cross-border operation are defined, and the functional financial views, the theory of financial evolution and the related theory of market logic are introduced from the theoretical level, and then the commercial banks are discussed from the perspective of practice. The boundary is operated in the boundary, and the influence of cross-border operation on the three aspects of the real economy, the industrial structure and the main body of the market is deeply analyzed. The third chapter, through the comparison of the current situation of cross-border operation of commercial banks both at home and abroad, proposes to solve the problems existing in the cross-border process of commercial banks, and must carry out thorough reform and innovation to the property rights system of China's banks. The bank becomes the independent subject in the true sense of the market, and then it can choose its own development mode and organizational structure in the cross-border operation. The fourth chapter introduces the different transboundary operation modes of commercial banks, and puts forward the reasonable proposals for the current cross-border arrangement of commercial banks. Fifth, the 62 chapter is the focus of this article, of which fifth In view of the different risks faced by commercial banks in cross-border operation, the internal control measures for cross-border operation risk of commercial banks are put forward. The internal risk control measures of commercial banks are mainly two aspects of establishing internal risk rating system of financial products and perfecting internal process of transboundary business. In the system construction, commercial banks can effectively isolate cross-border business risks by setting up different properties of "firewalls". In the sixth chapter, on the basis of the international experience, the "three step" strategy of the evolution of the external management risk management system in China is innovatively proposed. Through the implementation of the "three step" strategy, the final construction is finally built. Set up an active, flexible and comprehensive external risk supervision system in our country. In the last chapter, the seventh chapter summarizes the main conclusions and innovations.
The basic conclusion of this article is:
1. the cross-border operation of commercial banks is a process of dynamic change. The static analysis of cross boundary behavior from the perspective of the financial management system is undoubtedly of great limitation.
2. according to the functional financial viewpoint, the financial evolution theory and the market logic deduction, the financial efficiency can be optimized by giving full play to the independence of the financial institutions as the main body of the market on the basis of following the market logic.
3. the cross-border operation of China's commercial banks is, to a greater extent, a strategic arrangement for financial institutions to conform to the trend of financial development, rather than the current market demand.
4. the incoordination between China's separate regulatory system and the current realities of cross-border operations is becoming increasingly prominent. To solve this problem, a series of reform of the current regulatory system has become an inevitable move.
5. at present, the cross-border operation of commercial banks in China is dominated by "transboundary industry", "inter industry cross-border", and the "cross boundary" of commercial banks is mainly based on the two levels of "capital" and "contract". In the premise of not damaging the financial efficiency and ensuring the financial security, the cross-border arrangement of commercial banks should follow the original difficult and difficult original. In accordance with the "first territory, post overseas", "first industry, post industry", "first large, medium and small" cross-border operation priorities, there are successively launched.
6. the internal control of the risk of cross-border operation of commercial banks is a systematic project. In the future, the construction of the internal control system for the risk of cross-border operation of commercial banks should be based on the setting of different "firewalls", and the risk of cross-border business in commercial banks will be effectively isolated and blocked.
7. using the experience of foreign developed countries for reference, this paper puts forward the "three step" strategy for the evolution of the external management risk management system in China. The first step is to establish the focus of financial supervision, implement the key regulatory strategy, and improve the operational efficiency of the external supervision system of the cross-border operation risk of the commercial banks of our country; the second step is carried out thoroughly. The new concept of "functional regulation" is a transition from the current institutional classification supervision to the complete "functional regulation"; the third step is to establish a unified financial supervision system under the "large part system", and gradually transition from the separate supervision system to the unified regulatory system.
The above fifth points and seventh conclusions are also the innovations of this paper.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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