In this part , we describe the conception and connotation of mixed operation and universal banking institution 、 discuss the theoretical basis : mixed operation obeys to the rule of average profit 、 the rule of marginal cost reducing and portfolio theory 最后,本文结合我国银行业的发展历程及现状,论述了我国实行全能银行制的必要性和可行性,提出了一些相关对策及建议。
In a word , the development of intermediary business should aim to compound instrument which at the intersection of commercial banks and other financial market business . on the base of that , the way to universal bank can be bridged 对中间业务的外部需求与商业银行的内在动力共同推动商业银行中间业务的发展,客观上要求管理层进行制度创新,放松对中间业务的管制,并以此搭建起一座通往全能银行的桥梁。
Three of the trend is : continuously financial innovation ; financial innovation exists the whole process of financial industry . universal banks " management business , organization frame and principle have deep trace of financial innovation 全能银行的发展趋势之三:不断进行金融创新;金融创新贯穿于全球金融业发展的全过程,现在的全能银行无论是经营的业务,还是其组织框架或者是经营理念与经营思想,无一不有明显的金融创新的烙印。
This paper tried to use the theory of institution innovation , combined with the banking system theory to put up a preliminary frame of institution innovation theory for banks , by which disclosed the origin and evolution of universal banking system in western countries 本文力图运用制度创新理论,结合银行理论搭建一个初步的银行制度创新理论框架,以此揭示西方全能银行产生、发展的规律,为我国银行制度的改革创新和全能银行的发展提供理论依据。
In this part , we summarize the developing history of germany universal banking institution and concentrate on discussing the characteristics and advantages of germany universal banking institution . we hold that ( 1 ) there are five traits about germany universal bank : diversified businesses 、 business nets which are 本文认为,中国银行业已具备了实行全能银行的基本条件,当务之急是政府应放松对银行业的管制,加快推动中国银行业从分业经营向混业经营转变。
Under the current framework of business segregation and separate organization settings , business cooperation shall be allowed between commercial banks and security companies , commercial banks and insurance companies ; 2 . universal operation shall be permitted for financial groups in the form of holding companies ; 3 . restrictions on universal operation shall be lifted and comprehensive universal banking groups shall be allowed to set up 本文所提出的具体政策建议为: 1 、在现行分业经营和机构分设的框架下,允许银证之间、银保之间在业务上进行合作; 2 、允许金融集团通过控股公司的形式进行跨业经营; 3 、取消混业经营的限制,允许成立综合性全能银行集团。
Defines the three double related concepts as follows : integrative management and separated management , universal bank and separated bank , imps and smfs . smfs is the formal system of one country , but there are separated banks in this country . the universal banks must have their specific field , which means universal but specialist 并且指出,混业经营体制是一国的正式制度安排,在实行混业经营体制的国家也有分离型银行;全能银行必须体现出自己的特色,即应“既全能而又专业” 。
On the basis of inside and outside terms , we can achieve the transition to the universal banking from the sample to the whole . the thesis also raises a tentative reform idea of financial supervision system and some constructive suggestions on the supervision of financial holding company 在具备了内外条件的基础上,对商业银行采取由点到面逐步推进的方式实现向全能银行的过渡,相应地对目前的金融监管体制提出了初步改革的设想,并着重对金融控股公司的监管问题提出富有建设性的意见。
The financial holding company , which can provide a combination of financial services in the group level , has broke up the separation regulation in the u . s . china , which adopts the separation policy of banking , securities and insurance in terms of operation and supervision , will meet strong challenges from universal banks and financial holding companies from abroad following china ' s accession into the wto 对于仍然实行“分业经营,分业监管”的中国而言,加入世贸组织后,在金融领域必将面临发达国家全能银行和金融控股公司的竞争。因此,我们必须结合中国的实际情况,寻找适合中国现状的控股公司运行和监管模式,以迎接来自发达国家的挑战。