| 在曩昔的二三十年内,中韩两国经济疾速成长,而贸易银行作为金融业中的重中之重,为国度的经济成长进献着弗成疏忽的感化。分离比较中韩两国各年夜银行,虽然它们随同着经济提高,在治理条理、运营理念、产物和办事等方面赓续新陈代谢,但因为中国和韩国的贸易银行均改造较晚,相干司法轨制不敷完美,与现阶段国际经济成长不克不及很好合营等缘由,银行在产物定位、目的市场、营销战略等很多方面年夜同小异,连续轻差别化成长,故运营同质化的偏向日益严重。韩国将贸易银行这类根本趋于统一尺度成长的景象称为“银行家当的尺度化”。而不管是韩国银行业的尺度化照样中国银行的同质化成长,都必将给往后银行业历久高效的成长带来很多障碍。银行间的多重同质竞争和跟风模拟、自觉争抢客户、竞相放低存款前提、供给优惠价钱等重竞争轻协作的局势还常常使本身堕入博弈论中的“阶下囚窘境”。跟着部门占领垄断位置的中国贸易银行其权势的逐步弱化,再连续以近乎分歧的家当形式停止运营,就必定给本身生计成长带来严重限制,是以差别化运营成为银行业往后改造和立异的殊途同归。本文第一章就选题的缘由、意义停止睁开,并概述了支撑文章的相干文献及实际。第二章对中国贸易银行业现行的司法划定停止引见,并联合中国贸易银行的运营现状,引见了同质化及其作用。第三章比较中国,对韩国银行的同质化、尺度化运营现状停止描写,体系总结了同质化表示的几个方面及往后带来的不良效果。其次,经由过程第四章,对银行同质化竞争涌现的缘由做出思虑剖析。而且,按照现行司法,对于银行司法监管相干轨制停止梳理,并作为切入点睁开研讨。经由过程对巴塞尔协定Ⅰ,Ⅱ和Ⅲ的扼要引见及剖析,运用其肯定的周全风险监管系统对贸易银行司法监管做了睁开解释与剖析。最初,在第五章联合对贸易银行同质化停止的诸多研究,商量了中韩两国在面临同质化成长所遇窘境该若何应对,如何完成差别化运营计谋,从利率市场化、混业运营司法监管束度的完美、积极成长表外营业和实行“巴塞尔协定”的周全风险治理的角度,提出了中韩两国银行差别化运营成长的战略。 Abstract: In the past twenty or thirty years, China and South Korea's rapid economic growth, while the trade bank as the financial industry's top priority for the country's economic growth into the contribution of the negligence of the impact. Comparison of separation between China and South Korea on the eve of the bank, although they along with the economic improvement in governance organization, business philosophy, products and services continuously metabolism, but because China and South Korea trade bank were transformed late, coherent judicial system is not perfect enough, and at the stage of international economic growth means less than very good joint ventures and other reasons, banks in product positioning, target market, marketing strategy and so on many aspects of the eve of the same, continuous light difference of growth, so operators homogenization bias is becoming more and more serious. South Korea will trade bank such fundamental scale growth tends to be uniform scene called "scale industrial bank". Regardless of the scale of banking industry in South Korea still homogenization of the Bank of China growth will give back bank industry is long-term, the growth bring many obstacles. Bank multiple homogeneous competition and follow the trend of simulation, consciously compete for customers, competing to put low savings premise, provide preferential price and heavy competition in light collaboration situation also often makes itself fall into game theory in the "prisoner's dilemma". Follow Department occupied monopoly position of Chinese commercial banks; its power gradually weakened, and continuously in the form of almost different belongings ceased operations, must give itself livelihood growth is severely limited, is the difference of operation of a banking back the reform and innovation of. The first chapter of this article on the reason of the topic, significance, and summarizes the relevant literature and the actual. The second chapter introduces the current legal provisions of China's commercial banks, and the operation status of China's commercial banks. The third chapter compares the Chinese, the South Korean bank of homogeneity, the scale of the operation status of the description, the system summarizes the homogenization of the several aspects of the expression and the subsequent adverse effects. Secondly, through the fourth chapter, the reasons for the emergence of the emergence of competition in the bank to make an analysis of the reasons. And, in accordance with the existing judicial, on the Bank of judicial supervision of the relevant track system to sort out, and as a starting point to explore. The brief introduction and analysis of the Basel agreement I, II and III, the application of the comprehensive risk supervision system to the commercial banks of the judicial supervision to do a open explanation and analysis. Initially, in the fifth chapter combined to stop trade bank homogenization lots of studies, to discuss the China and South Korea in the face of the growth of the homogeneous encountered dilemma of how to deal with, how to achieve differentiation business strategy, from the interest rate market, judicial supervision of mixed operation beam is perfect, actively growing sheet business and implement comprehensive risk management point of view of "Basel Accord" proposed the growth of China and South Korea bank differentiated operation strategy. 目录: |
