【摘要】：由于我國經(jīng)濟(jì)迅猛發(fā)展，國民人均可支配收入有了顯著性的提高，同時(shí)由于金融理財(cái)產(chǎn)品的多樣化以及理財(cái)觀念的深入人心，投資者對專業(yè)化的財(cái)富管理的需求日益旺盛。傳統(tǒng)的銀行理財(cái)產(chǎn)品已逐漸不能滿足市場的需求，銀信合作理財(cái)產(chǎn)品通過產(chǎn)品創(chuàng)新吸引了眾多投資者的目光。而我國銀信合作的發(fā)展卻處于法規(guī)不完善，操作不規(guī)范，發(fā)展不穩(wěn)定等諸多缺點(diǎn)。由于銀信合作不僅是簡單的金融理財(cái)產(chǎn)品，且投、融資等金融領(lǐng)域業(yè)務(wù)還涉及到法律法規(guī)的制定，關(guān)系到整個(gè)國內(nèi)金融市場健康發(fā)展等方面的問題。因此對銀信合作方式和監(jiān)管進(jìn)行深入研究具有理論和現(xiàn)實(shí)意義。 本文將融合銀信合作各方面，，較全面對我國銀信合作的方式和監(jiān)管的沿革進(jìn)行分析，同時(shí)具體研究日、美、德三國金融業(yè)經(jīng)營模式的發(fā)展變革歷程并與中國金融業(yè)發(fā)展現(xiàn)狀進(jìn)行比較，對中國金融業(yè)定位，探討經(jīng)營模式的轉(zhuǎn)變及相對應(yīng)的監(jiān)管政策的改變對我國的啟發(fā)。本文將對銀信合作模式及其監(jiān)管政策進(jìn)行有益的探索，并提出銀行與信托合作方式和監(jiān)管模式的發(fā)展創(chuàng)新的若干建議。 分業(yè)經(jīng)營模式下監(jiān)管法律制度具有嚴(yán)格性與獨(dú)立性，其定位于中國現(xiàn)階段金融業(yè)發(fā)展的法律制度特征，并隨著金融一體化的深入發(fā)展以及我國銀信合作更進(jìn)一步的發(fā)展。監(jiān)管政策應(yīng)秉持綜合立法、綜合監(jiān)管，模糊機(jī)構(gòu)界限，“功能型”監(jiān)管的原則，方能保證金融市場和國家經(jīng)濟(jì)的穩(wěn)定發(fā)展。
[Abstract]:Due to the rapid development of economy in China, the per capita disposable income of the people has been improved significantly. At the same time, because of the diversification of financial products and the popularity of financial management concept, investors' demand for specialized wealth management is increasingly strong. Traditional banking financial products have been unable to meet the needs of the market gradually, the bank and credit cooperation financial products through product innovation attracted the attention of many investors. However, the development of bank-trust cooperation in China has many shortcomings, such as imperfect regulations, irregular operation, unstable development and so on. Because the cooperation of bank and letter is not only a simple financial management product, but also related to the formulation of laws and regulations, and related to the healthy development of the whole domestic financial market. Therefore, it is of theoretical and practical significance to study the cooperation mode and supervision. This paper will integrate all aspects of bank and letter cooperation, more comprehensive analysis of China's bank and letter cooperation mode and regulatory evolution, at the same time the specific study of Japan, the United States, This paper compares the development and transformation of German financial business model with the present situation of China's financial industry, and probes into the changes of management mode and corresponding regulatory policies to China. This paper will make a beneficial exploration on the cooperation mode of bank and trust and its supervision policy, and put forward some suggestions on the development and innovation of the cooperation mode between banks and trusts and the supervision mode. The legal system of supervision is strict and independent under the mode of separate operation, which is positioned at the present stage of the development of the financial industry in China, and with the further development of financial integration and the further development of the cooperation between bank and credit in China. The supervision policy should adhere to the principles of comprehensive legislation, comprehensive supervision, blurred institutional boundaries and "functional" supervision, in order to ensure the stable development of the financial market and the national economy.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.1

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