【作者】 范静波；

【导师】 吴丰；

【作者基本信息】 四川大学 ， 国民经济学， 2005， 硕士

【摘要】 随着1999年11月美国《金融服务现代化法案》的通过,历经60多年的分业经营模式宣告终结,至此,世界金融界仍严格实行分业经营的主要国家只有中国。近20年来,在国际经济全球化和市场竞争日益激烈的趋势下,西方发达国家商业银行开展的投资银行业务已逐渐形成明显的国际化、多样化、专业化和集中化的发展变化趋势。2001年12月11日中国正式加入WTO后,中国金融开放被规定了时间表和加速度,到2006年,随着5年过渡期的结束,中国银行业的全面开放,从事混业经营的外资金融机构将全面介入我国金融领域,国内商业银行将不得不面对来自国际全能银行和一流投资银行的严峻挑战,这为国内商业银行加紧开展投资银行业务形成了外在的压力。 本文共分为六部分,对我国商业银行开展投资银行业务进行了理论与政策的研究。 第一部分对商业银行与投资银行的定义进行了界定,介绍了投资银行的经济功能和基本业务,并且分析了商业银行与投资银行的区别与联系。 第二部分主要对分业经营与混业经营的理论基础进行了分析,并对银行混业经营的模式进行了比较。 第三部分描述了我国商业银行的发展改革情况和我国商业银行发展投资银行业务的国际背景。 第四部分讨论了我国商业银行开展投资银行业务的必要性和优势,并对开展投资银行业务与提高商业银行竞争力的关系进行了论述。 第五部分分析了我国商业银行开展投资银行业务的主要障碍及需要解决的问题,并提出了相对应的政策措施及商业银行可以采取的策略。更多还原

【Abstract】 Nov., 1999 witnessed the passage of American "Financial service modernization bill", which put an end to the separate operation mode working for more than sixty years. Thus, China becomes the unique country that is still sticking with separate operation mode all over the worldwide finance circles. In recent twenty years, the investment banking, which is practiced by the commercial banks in western developed countries, has gradually appeared to be internationalized, diversified, specialized, and intensified in the trend of economic globalization and ever-increasingly rat-race market competition. With China’s WTO entrance, which happened in Dec, 11^th, 2001, China was required to open up her finance according to a preset schedule. That is, by 2006, when the five-year interim is over and China’s banking is open up in an all-round way, foreign financial institutes, which are crossing-operation-oriented, will penetrate into China’s financial field here and there, and domestic commercial banks will have to face harsh challenge posed by international omnipotent banks and top-notch investment banks, thus constituting outside pressure on domestic commercial banks that are stepping up their efforts to develop investment banking.The author conducts a deep research on the theories and policies, abiding by which the domestic commercial banks practice investment banking, by dividing the dissertation into six sections.In the first section, the author makes clear the definitions of commercial bank and investment band, introduces the economic function and fundamental operationsof investment banks, and analyzes the differences and correlations between commercial bank and investment bank.In the second section, the author focuses on analyzing the theoretical bedrock of separate operation and crossing operation, and in addition, compares all the modes taken by the crossing-operation-practicing banks.In the third section, the author depicts the status quo of the development and reforming of domestic commercial banks, and the international background in which domestic commercial banks develop investment banking.In the forth section, the author makes a discuss over the necessity and advantage of domestic commercial banks if they are to develop investment banking, and sets forth the relation between attempting investment banking and improving the competitiveness of our commercial banks.In the fifth section, the author points out the key impediments and unaddressed problems standing in the way that our domestic commercial banks initiate investment banking, and besides, raises corresponding governmental solutions as well as steps that can be taken by commercial banks.In the sixth section, the author dwells on the emphasis our domestic commercial banks should put on and the staged strategy they should take when they develop investment banking.In the last place, the author makes a summary of the whole dissertation.更多还原