中國(guó)商業(yè)銀行混業(yè)經(jīng)營(yíng)研究.pdf

1、哈爾濱工程大學(xué)碩士學(xué)位論文中國(guó)商業(yè)銀行混業(yè)經(jīng)營(yíng)研究姓名：趙前程申請(qǐng)學(xué)位級(jí)別：碩士專(zhuān)業(yè)：產(chǎn)業(yè)經(jīng)濟(jì)學(xué)指導(dǎo)教師：姜炳麟20050201哈爾濱工程大學(xué)碩士學(xué)位論文AbstractAfamiliardisputeaboutthechoiceofmanagementmodeinfinanceindustryhaslastedforalongtimeInthethirtiesofthe20mcenturytheeconomiccrisisbrokeo

2、utinthecapitalistsocietythefinancialmarkethadcollapsedAlargeamountofbankswentbankruptinthegreatcrises，peoplebegantosuspecttherationalityofthemanagementstockexchangeofthebankanddrewtheconclusionthatintegratedfinancialsyst

3、emhasresultedinthefmancialcrisis，thentheseparatedmanagementoffinancialsystemhasbeenadaptedinbankingindustryfinallySince1970’S，awaveofinnovationconcerningfinancialglobalizationandderegulationhasswepttheworldOnNovember4，19

4、99，theUScongresssignedthe‘FinancialServiceModemizationAct“whichindicatedthattheseparatedmanagementoffinancialsystemlastingformorethansixtyyearsinUSabolishedBeforethis，theUnitedKingdom，JapanandTaiwanhadexperienced‘BigBang

5、’，brakingdowntheirseparateru／／Allofthesehaveforecastthattheintegrativemanagementoffinancialsystem，namelytheuniversalbankingsystemhasbecomethemainstreamoffinancialoperatingfieldAfterChinasentryintoWTOtheChinesefinancialin

6、stitutionsaredestinedtoparticipateintheglobaleconomyandtofacethekeencompetitionfromthe”financialconglomerate“ofthewesterndevelopedcountriesAgainstthisbackgroundiSitstillpossiblefortheChinesefinancialinstitutionstoadllere

7、totheseparatemanagementfirmlyHowCanourweakfinancialinstitutions，especiallythestateownedbankscompete、Ⅳimthestrongfinancialconglomerateconsistingofbanks，securityfirmsandinsurancecompaniesTosurviveintheintemationalcompetiti

8、on，Ourfinancialiustitutiousshouldbereformed，transformingfromtheseparatemanagementtotheintegrativemanagementHoweverOurcountrystilllacksessentialeconomyfmuncialenvironmentofmixtureruninbankingindustryItmustcausetheconfusio