城市商业银行金融产品的创新机制研究

【作者】 张瑾；

【导师】 冯用富；

【作者基本信息】 西南财经大学 ， 工商管理， 2005， 硕士

【摘要】 一、研究的目的和意义始于二十世纪60 年代的金融创新深刻地影响到了金融业发展的各个方面,引发了金融业的一场革命。进入90 年代,金融创新多层次、多元化的特征表现得更加明显和突出。从全球来看,新兴的金融市场或离岸金融市场不断出现,期权、期货不断发展与完善,商业银行为规避风险的各种金融衍生产品应运而生。目前,这股创新浪潮仍然保持着强劲的势头,并日益演化成为商业银行在激烈的竞争中生存与发展的手段。作为二十世纪九十年代中国金融体制改革的产物――城市商业银行,在当今金融产品创新浪潮中改如何发展?在适者生存的残酷竞争中,城市商业银行要创造性地发挥自身的体制优势,分析和把握来自于外部和内部的机会与挑战,其核心在于形成具有特色的金融产品的创新机制,以争取在国内乃至国外的金融领域占有重要的一席之地,是本文所要研究的重心所在。二、基本思路和逻辑结构全文共分为4 个部分: 第一部分为文献综述,主要阐述了金融创新的含义,介绍了熊彼特在二十世纪上半叶完成的《资本主义、社会主义和民主》提出的创新原动力的观点,以及王爱俭博士对金融创新提出的广义及狭义的定义,总结了当代金融创新理论的主要流派,在对金融产品创新的历史进行了考察后,分析了中国的现状,提出了中国金融创新存在的问题。第二部分阐述了中国的城市商业银行金融产品创新的机制约束。主要从外部环境角度分析了中国金融法规制度建设的现状,明确了中国金融监管存在的问题,提出了在现有监管体制及政策框架下城市商业银行产品创新的困境。然后,从城市商业银行内部治理结构、激励约束机制及信息技术发展等方面分析了制约金融产品创更多还原

【Abstract】 Financial innovations which started at the end of 1960s have been sweeping over the whole industry and have been leading to a truly revolution in this field. Entering into 90s, the trend is still continuing and speeding up. Financial innovations, mostly connecting with financial instruments, markets, and institutions, are becoming the most important methods for commercial banks to survive and develop in the fierce competition. How should the City Commercial Bank of China to respond to this challenge, the core is to establish the characteristic mechanism which is most suitable for city commercial bank to financial innovation. This paper is divided into 4 sections. The first section is a sum of literatures about financial innovation. In this part, the original theory of innovation by Mr. J.A. Schumpeter in last century is introduced, which promoted the idea of original motivation for innovation. Then the modern Chinese researcher, Dr. Wang’s financial innovation theory in Chinese context is fully developed, which includes his definition about innovation in narrow and broad senses, analysis of historical innovation, and the current situation in China and the exiting issues. The second section is an analysis of the current systematic obstacles for innovation in Chinese commercial banks. On one hand, the current commercial banking legal system and supervision system do not provide a supporting environment for innovation; on the other hand, strict organizational structure, lack of effective incentives, and no strong MIS, also result in slow innovation internally. The third section is a thorough analysis of the successful innovation更多还原