【作者】 李平；

【导师】 顾建光；

【作者基本信息】 上海交通大学 ， 公共管理， 2007， 硕士

【摘要】 随着改革的梯次推进,一些长期以来困扰我国银行业发展的关键问题和重大障碍愈发凸显,需要通过有效的金融创新予以解决。银行业综合经营作为体制创新的一种形式,是突破发展瓶颈的重要手段。但目前我国全面推广银行业综合经营存在明显的制度缺失,这些阻碍综合经营顺利推进的制约因素,并非银行业本身所能克服,需要政府有关部门、尤其是银行业监管部门通过有效的公共管理和制度建设加以解决。本文从银行业监管部门实施公共管理的角度,论述我国银行业综合经营的制度建设构想,提出的主要观点是:银行业综合经营应当选取金融控股集团为体制模式,综合经营的监管制度应当以有效防范跨市场风险为重点、全面推进各项监管策略。在简要分析银行业综合经营的必要性后,本文重点阐述的内容包括:风险管理制度薄弱、监管法律制度不健全、金融市场制度有待完善、监管协调制度缺陷、配套制度滞后等制度缺失因素,影响了银行业综合经营的顺利开展。从我国银行业开展综合经营的试点情况和金融控股集团的经济效应分析入手,提出综合经营选取金融控股集团模式的现实意义,以及通过单独立法保障金融控股集团法律地位的设想。从法律制度、金融市场制度、监管协调制度、相关配套制度、风险管理制度以及监管部门的引领作用、监管能力建设等多角度,全面阐述银行业综合经营的监管策略,提出加强风险管理、有效防范跨市场风险应当成为我国银行业综合经营监管的“重中之重”。更多还原

【Abstract】 Along with the gradually pushing of banking reform, some key issues which have puzzled us in long period become the big questions. Integrated management is one of the useful means to break through the developing choke point.The financial running status shows that, strictly separate management system concentrates the financial risk in a narrow range. Financial innovation can’t be developed further due to such system. On the other hand, diversification operation under the integrated management system may be propitious to the steadily growth of banking profit. After China entering the WTO in 2001, more and more foreign capital banks appear in the competing market, it is imperative under the situation for local banks to promote the competing ability through integrated management.Although it is necessary to carry out integrated management system in China, we should still take it seriously to such disadvantage factors: lack of correlation rules of law, limitation of financial marketing system and restrict from the outside environment. After spreading of integrated management, we should pay more attention to the new financial risks about cross-market operation.Thus, we submit the systematical frame to cope with important issues mentioned above, such as mode choice of banking integrated management, the way to consummate the law system, supervise and regulatory strategy in details.更多还原