【摘要】：商業(yè)銀行的混業(yè)經(jīng)營(yíng)在西方發(fā)達(dá)國(guó)家早已存在，它是隨著市場(chǎng)經(jīng)濟(jì)高度發(fā)展而產(chǎn)生的。混業(yè)經(jīng)營(yíng)提高了商業(yè)銀行的盈利水平，但同時(shí)也增加了商業(yè)銀行可能面臨的風(fēng)險(xiǎn)。隨著我國(guó)經(jīng)濟(jì)的發(fā)展，我國(guó)政府依形勢(shì)放寬了對(duì)商業(yè)銀行領(lǐng)域的限制，近年來(lái)我國(guó)商業(yè)銀行開始于涉足混業(yè)經(jīng)營(yíng)。在這種情況下，對(duì)比國(guó)內(nèi)外商業(yè)銀行混業(yè)經(jīng)營(yíng)的環(huán)境和相關(guān)政策，分析研究我國(guó)商業(yè)銀行混業(yè)經(jīng)營(yíng)之后可能面臨的風(fēng)險(xiǎn)，對(duì)我國(guó)商業(yè)銀行今后更好的開展混業(yè)經(jīng)營(yíng)有著重要的現(xiàn)實(shí)意義。 本文首先對(duì)商業(yè)銀行混業(yè)經(jīng)營(yíng)的概念和相關(guān)理論進(jìn)行了梳理，介紹了商業(yè)銀行混業(yè)經(jīng)營(yíng)后，可能面臨的風(fēng)險(xiǎn)的種類。同時(shí)結(jié)合我國(guó)的現(xiàn)實(shí)情況，簡(jiǎn)要闡述了推廣商業(yè)銀行混業(yè)經(jīng)營(yíng)應(yīng)具備的條件、推廣步驟以及我國(guó)的商業(yè)銀行目前混業(yè)經(jīng)營(yíng)的開展情況。并且以中國(guó)銀行集團(tuán)股份有限公司為例，介紹了我國(guó)商業(yè)銀行開展混業(yè)經(jīng)營(yíng)的現(xiàn)狀 在隨后的章節(jié)里，本文重點(diǎn)分析了商業(yè)銀行混業(yè)經(jīng)營(yíng)的風(fēng)險(xiǎn)成因，按類別剖析了商業(yè)銀行分別與證券業(yè)、保險(xiǎn)業(yè)以及基金進(jìn)行聯(lián)合之后，所可能面臨的潛在風(fēng)險(xiǎn)，并且以中信集團(tuán)為例，分析了金融控股公司這一混業(yè)經(jīng)營(yíng)形式的潛在風(fēng)險(xiǎn)。除此之外，還分析了現(xiàn)階段我國(guó)商業(yè)銀行開展混業(yè)經(jīng)營(yíng)可能會(huì)面臨的新問題，包括后危機(jī)時(shí)代新巴塞爾協(xié)議對(duì)商業(yè)銀行的影響，利率波動(dòng)對(duì)我國(guó)商業(yè)銀行的影響和我國(guó)商業(yè)銀行可能會(huì)面臨的系統(tǒng)性風(fēng)險(xiǎn)。 在接下來(lái)的部分里，，本文提出了應(yīng)對(duì)商業(yè)銀行混業(yè)經(jīng)營(yíng)風(fēng)險(xiǎn)的策略，其中既有傳統(tǒng)的方式，也有期望憑借我國(guó)不斷增強(qiáng)的經(jīng)濟(jì)實(shí)力分散風(fēng)險(xiǎn)的新構(gòu)想。傳統(tǒng)應(yīng)對(duì)方式主要是加強(qiáng)監(jiān)管，而應(yīng)對(duì)風(fēng)險(xiǎn)的新構(gòu)想則可以利用資本輸出和離岸市場(chǎng)分散風(fēng)險(xiǎn)。最后，本文還對(duì)有關(guān)部門提出了相應(yīng)的政策建議。
[Abstract]:The mixed operation of commercial banks has already existed in western developed countries, and it has emerged with the development of market economy. Mixed operation raises the profit level of commercial banks, but also increases the risks that commercial banks may face. With the development of our country's economy, our government has relaxed the restriction on the commercial bank field according to the situation. In recent years, the commercial bank of our country began to set foot in the mixed operation. In this case, by comparing the domestic and foreign commercial banks' mixed operation environment and related policies, we analyze and study the risks that our commercial banks may face after the mixed operation. It has important practical significance for Chinese commercial banks to better carry out mixed operation in the future. In this paper, the concept and related theory of commercial bank mixed operation are firstly combed, and the types of risks that commercial bank may face after mixed operation are introduced. At the same time, combined with the reality of our country, this paper briefly expounds the conditions, steps and the current situation of the mixed operation of commercial banks in our country. Taking Bank of China Group Co., Ltd as an example, this paper introduces the present situation of commercial banks' mixed operation in China. In the following chapters, this paper focuses on the analysis of the risk causes of commercial banks' mixed operation. This paper analyzes the potential risks that commercial banks may face after they are combined with securities industry, insurance industry and fund separately, and takes Citic Group as an example to analyze the potential risks of financial holding company as a mixed operation form. In addition, the paper also analyzes the new problems that commercial banks may face in carrying out mixed operation at this stage, including the impact of the New Basel Accord on commercial banks in the post-crisis era. The impact of interest rate fluctuation on Chinese commercial banks and the systemic risks that Chinese commercial banks may face. In the following part, this paper puts forward the strategy to deal with the risk of commercial banks' mixed operation, which includes the traditional way and the new idea of dispersing risks with the increasing economic strength of our country. The traditional way of dealing with risk is mainly to strengthen supervision, while the new idea of dealing with risk can use capital export and offshore market to disperse risk. Finally, this article also puts forward the corresponding policy recommendations to the relevant departments.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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