關(guān)于我國(guó)商業(yè)銀行經(jīng)營(yíng)模式的探討.pdf

1、復(fù)旦大學(xué)碩士學(xué)位論文關(guān)于我國(guó)商業(yè)銀行經(jīng)營(yíng)模式的探討姓名：馮暉申請(qǐng)學(xué)位級(jí)別：碩士專業(yè)：金融學(xué)指導(dǎo)教師：甘當(dāng)善20030430AbstractSincethe1990s，thebanksofWesternEuropeancountrieswhichhavebeenengagedinthebusinessesofcommercialbanking，securitiesandinsurance，etc，forageshavedevelopeds

2、teadilyandtheiradvantagesovertheircounterl：lartsfromothercountriesbecomemoreandmoreevidentTheUnitedStatesofAmericaenactedthe((GrammeLeachBtileyAct))inNovember1999TheActpermitsbankstoengageinvariousfinancialbusinesseswith

3、intheframeworkoffinancialholdingcompaniesItsignifiedtheendoffinancialbusinessonseparatebasisnotonlyintheUSbutalsoinalldevelopedeconomiesTheActhasalreadyhadandwillcontinuetohaveasignificantimpactont11estructuraladjustment

4、sanddevelopmenttrendofAmericanandeventheglobalfinancialindustryItalsobroughtshockstoChinesemarketAccordingtoourundertakingstoentertheWTOChinawillopenitsfinancialmarketentirelywithin5yearsafterthemembershipOurfinancialins

5、titutions，especiallythecommercialbanks，whichhavebeenprotectedsoundlybythegovernmentforalongtimewillfacetheinternationalcompetencedirectlybvthattimeForeignfinancialinstitufionscanprovideamuchwiderfinancialservicesandthuse

6、njoythecompetitiveadvantageoffinancialresourcesallocationandservicingfunctionShouldChinanicktotheprincipleof“businessandadministrationonseparatebasis’orshallweshifttothemodeofdiversmedbusinessIt’sahotlydebatedquestionfor

7、therecentyearsThedissertationintroducesandstatesthetwomodesoffinancialbusinessoperationandtheirsupervisionfromtheperspectiveofcommercialbanksItalsocoversthecurrentsituationandproblemsofChinesebanksandanalyzesthefeasibili

8、tyforChinesebankstoengageindiversifiedfinancialservicesFurthermore，thepapermakessomesuggestionsontheproperformthatChinesebanksshouldtakeandatlast，theimprovementandpreparationneedstobemadebothintheoperationandsupervisionT

9、hedissertationhasfourchaptersandisarrangedasfollows：Chapteroneexpoundsthetwomodesoffinancialbusiness，iebusinessonseparateanddiversifiedbasissystematicallyIt’sshownthatthe1attermodehasbecomethegeneraltrendbyreviewingthehi

10、storyofitsdevelopmentIt’salsopointedthatthechoiceofthemodeshouldbemadeaccordingtotheconditionsofspecificcountryandspecifictimeperiodbyanalyzingt11ereasonswhymostcountriesshifttodiversifiedbusinessaswellastheformsofrealiz

11、ationofthemodeChaptertwoanalyzessystematicallytherisksthatbanksfaceinthetwomodesandtheircorrespondingmanagementandsupervisionintheworldbyreviewingthedevelopmentofworldbankingindustryespeciallytheresearchandstudyfruitsofB

12、asleCommitteeBanksandtheirsupervisorswillbothmeetmorerisksanddi伍cultieswhentheyohangefromseparatemodetodiversifiedmodeChapterthreeanalyzesindepththecurrentpositionandmainproblemsofChinesebanksanddiscussestheprerequisites

13、forChinesebankstoconductbusinessonintegratedbasisMeanwhile，italsotouchesthemostrecentdevelopmentsofChinesebankswhichindicatesthatdiversificationhasalreadycomeintobeingChapterfourrecordst11ewriter’sconsiderationonthediver