[优秀论文]我国银行业在混业经营趋势下的问题与对策.pdf

上海交通大学
硕士学位论文
我国银行业在混业经营趋势下的问题与对策
姓名:钟婷
申请学位级别:硕士
专业:工商管理
指导教师:马晔华
20090111
我国银行业在混业经营趋势下的问题与对策

摘要

有别于美国、日本、欧洲等国家和地区实行的金融混业经营制度,
我国是目前少数仍在实行金融分业经营的国家。但我国金融分业经营的
严格性正逐步被打破,混业经营的发展趋势已经形成。作为在我国金融
市场中占主导地位的银行业,在趋向混业经营的过程中,尚存在很多问
题,有待解决。本文主要探讨了我国银行业在混业经营趋势下的战略定
位、金融创新、内部控制和金融人才等问题,并提出了相应的对策。
当前,我国银行机构的战略趋同现象较普遍,几乎都旨在提供无所
不包的传统银行业务与服务。在混业经营的趋势下,银行的目标应该是
成为主营业务突出、专业优势明显的金融服务机构,而不是无所不包的
全能银行。我国银行的金融创新工作还存在自主创新程度低、无法满足
顾客的个性化需求等缺点。未来的金融产品创新应谨慎为先,尤其在金
融危机的教训中,需谨慎对待金融衍生品的创新,特别重视基础资产的
质量。就内部控制问题而言,我国银行尚未形成良好的内部控制环境,
内控制度的健全性和有效性不足,风险识别的评估方法依然落后。因此
需加紧完善内部控制体系的建设,尤其是构建风险管理体系。金融人才
的争夺一直是行业内的热门话题,银行对于各类金融人才,尤其是复合
型的高端金融管理人才的渴求,将会在混业经营趋势下更显迫切。从长
远来说,通过培养与引进,依然是解决人才问题的最重要途径。

关键词:混业经营金融创新内部控制风险管理金融人才
THE PROBLEMS AND SUGGESTIONS TO THE
CHINESE BANK SECTOR IN THE TREND OF MIXED
OPERATION OF CHINESE FINANCIAL INDUSTRY



ABSTRACT


Different with USA, Japan and some European countries, China is one of
the few countries which introduce separated operation in financial sector. The
bank sector, dominant in Chinese financial industry, encounters many
difficult problems in the trend of mixed operation. The paper puts the
emphasis on the analysis of these problems, for instance, banks’ strategy,
financial innovation, internal control and talented person, and proposes some
suggestions.
Currently, Chinese banks carry out the homologous strategy of providing
all-around traditional bank services. However, the goal of Chinese banks
should be to e the financial institutions with prominent major business
and characteristic service.
Now the Chinese banks are short of independent innovation capability and
difficult to meet the clients’ diversity of demand. I suggest the work of
financial innovation be more cautious, especially to the innovation of
financial derivatives.
Further, the internal control is still poor in Chinese banks. It’s necessary
to construct the appropriate internal control system,