我国商业银行经营模式选择与发展研究

_______________________________________________________________________________________________________________________________20040220S20010599F832.2_________________________20040220StudyontheOperationModeandDevelopmentofChineseCommercialBanks100083CandidateGuoZhaojunSupervisorGuanZhi’anSchoolofManagementUniversityofScienceandTechnologyBeijing30XueyuanRoadHaidianDistrictBeijing100083P.R.CHINA-1-1929~13933-2-StudyontheOperationModeandDevelopmentofChineseCommercialBanksAbstractFinanceSeparationmeansbankinginstitutionsandsecurityinstitutionsdotheirownbusinesswithoutentertheothersbusinessfield.Onthecontrary,FinanceCombinationmeansthetwopartsbothcandoother’sbusiness.CommercialbankcomesfromCombination.Intheverybeginning,combinationmodehelpsconstructthefinancialsystemandbankingfame-work.Afterthegreatcrisisin1929~1933,asaneffectivemethodtocontroleconomics,separationstabilizedtheeconomicandfinanceatthattime,andensurethesteadydevelopmentofinternationalfinance.Withthedevelopmentofeconomicandtechnology,financecombinationcomesforthagain.Countriesbrokethefinancelimitationandchosethecombinationmode.Duringthisperiod,USstillcarriedtheseparationmode,butwithcontinuousreformation.Finally,the“FinanceServiceModernizationAct”waspromulgated,whichindicatesanendingoftheageofFinanceSeparation.BankalwaysplaysanimportantroleinChineseeconomy,andisthemainchannelforcompaniesandfamiliestogetfinanceandinvest.Chinesestockmarkethasbeendevelopedforyearsandgotgreatimprovement.ButChinesefinancemarketisstillnotsanity.Thecompanybondandderiving-productmarketjustbegintodevelop.Theseyears,ChinesegovernmentbegantoloosenfinancecontrolgraduallyandsetupsuchfinancialgrouplikeChinaCreditGroup.Butourfinancemarketisstillnotsanity.Therearesomanyproblemsinourbankingsystem:badasset,lawconstruction,andsoon.Furthermore,thestockmarketisstillnotadvanced.Consequently,itisnotwisetodevelopmulti-bankdefinitely.But,withtheopenofChinesefinancemarket,ourfinancialsystemfacesmoreandmoreardentcompetition.Weshouldpickupthereformationtopreparefortheseparation.Weshouldsetupsomelargefinancialholdingcompaniesgradually.Meanwhile,Chinashouldkeeptheseparationsupervisalandenhanceinformationcommunication.Keywords:FinancialSeparation,Combination,Financial-holdingCompany-1-...............................................................................................................................1ABSTRACT...........................................................................................................................2...............................................................................................................................11.......................................................................................21.1......................................................21.1.1.......................................................................................21.1.2..................................................................................21.2.............................................................................31.2.1..........................................................................................31.2.2..........................................................................................41.2.3..............................................................................41.3.....................................................................51.3.1..................................................................................61.3.2..................................................................................................71.3.3..................................................................................81.4.............................................................................................................................92.................................................................................102.1.......................................................................................102.2...................................................................................................122.31999..........................132.3.1........................................................132.3.21999....................................................132.3.3............................142.4...................................................................................163.........................................................................................173.1...........................................................................................173.1.1........................................................................................173.1.2............................................................................................173.1.319801993..........................................................173.1.4............................................................................183.2....................................................................................................20-2-3