本文選題：金融危機(jī) + 混業(yè)經(jīng)營(yíng)　； 參考：《上海師范大學(xué)》2013年碩士論文

【摘要】：20世紀(jì)90年代以來(lái)，在金融自由化和一體化不斷增強(qiáng)的趨勢(shì)推動(dòng)下，越來(lái)越多的國(guó)家放棄了原有的金融分業(yè)經(jīng)營(yíng)制度，走向混業(yè)經(jīng)營(yíng)。而金融危機(jī)的到來(lái)更是加劇了這一趨勢(shì)，全球各大獨(dú)立投行紛紛轉(zhuǎn)型為金融控股公司，金融業(yè)兼并聯(lián)合不斷，，寡頭化趨勢(shì)不斷加深。 在這種背景下，中國(guó)金融業(yè)該何去何從？我們當(dāng)前的分業(yè)經(jīng)營(yíng)體制已經(jīng)越來(lái)越不適應(yīng)經(jīng)濟(jì)形勢(shì)的變化，而中國(guó)金融業(yè)也不能長(zhǎng)期游離于世界金融體系之外，這就迫切要求我們轉(zhuǎn)變舊的經(jīng)營(yíng)體制，開(kāi)始向混業(yè)轉(zhuǎn)型。當(dāng)然，目前國(guó)內(nèi)已經(jīng)有了不少金融混業(yè)的實(shí)踐，同時(shí)我們也可以借鑒國(guó)外的一些成功的模式和案例，本文通過(guò)比較分析的方法，分析了德國(guó)的全能銀行、美國(guó)的金融控股公司和日本的銀行控股公司三種不同模式，并對(duì)花旗銀行的案例進(jìn)行了剖析，仔細(xì)總結(jié)了花旗銀行在金融危機(jī)中的經(jīng)驗(yàn)教訓(xùn)，也為我國(guó)金融業(yè)今后的發(fā)展提供了很好的借鑒作用。 中國(guó)的金融業(yè)在探索著適合中國(guó)國(guó)情的混業(yè)發(fā)展道路。然而法律制度、文化差異，金融市場(chǎng)發(fā)展水平、企業(yè)內(nèi)控機(jī)制和風(fēng)險(xiǎn)管理等一系列條件決定了當(dāng)前階段我國(guó)并不能走全能銀行和銀行控股公司之路，而只能通過(guò)金融控股公司模式來(lái)實(shí)現(xiàn)混業(yè)，金融控股公司才是我國(guó)混業(yè)經(jīng)營(yíng)的現(xiàn)實(shí)選擇。
[Abstract]:Since 1990s, with the increasing trend of financial liberalization and integration, more and more countries have abandoned the original financial separation system and moved towards mixed operation. The arrival of the financial crisis has exacerbated this trend, the world's major independent investment banks have transformed into financial holding companies, financial mergers and alliances, the trend of oligopolization is deepening. In this context, where should China's financial industry go? Our current separate management system has become more and more inadaptable to the changes of economic situation, and China's financial industry can not be separated from the world financial system for a long time, which urgently requires us to change the old management system and begin to transform to mixed operation. Of course, at present, there have been a lot of financial mixed practices in our country. At the same time, we can also learn from some successful models and cases from abroad. This paper, by means of comparative analysis, analyzes the universal banks in Germany. There are three different modes of financial holding company in America and bank holding company in Japan, and the case of Citibank is analyzed, and the experiences and lessons of Citibank in the financial crisis are summed up carefully. Also for the future development of our financial industry to provide a good reference. China's financial industry is exploring the road of mixed development suitable for China's national conditions. However, a series of conditions, such as legal system, cultural differences, financial market development level, enterprise internal control mechanism and risk management, determine that China cannot take the road of universal banks and bank holding companies at the present stage. Only through the mode of financial holding company to achieve mixed operation, financial holding company is the realistic choice of mixed operation in our country.
【學(xué)位授予單位】：上海師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832

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