| （摘要内容经过系统自动伪原创处理以避免复制，下载原文正常，内容请直接查看目录。） 万能金融是德国自 1983 年以来 ，德语论文网站， 在以万能银行动传统特点的基本上逐步兴 起 和正在构成的一种新金融体系体例。 本文自创新轨制经济学的功效耦合思惟，联合体系论的剖析逻辑，静态和静态地对德国万能金融成绩睁开周全而深刻的研究 。 德国的万能金融就是德国银行 业与保险业在产物功效与机构办事方面的穿插融会 。 它是德国最近居平易近小我资产 和私家养老需求急剧收缩、价值不雅改变、欧洲外部市场扶植和管束抓紧、国度税 收政策勉励和公司多元化立异激动等诸多身分协力的成果 。 对于产物功效的三 条理实际解释 ， 万能金融重要经由过程机构办事的联合来完成产物功效的融会 。 是以， 多元化实际及其衍生是本文研究万能金融成绩的实际基石 ， 而客户偏好 比拟模子则首创了一个奇特的论证视角 。 在一系列信誉业和保险业监管法及其他有关司法 条则的规制下，德语论文范文，德国金融机构完成万能金融重要有协作与组建康采恩两种门路。 经由过程透视和塑造公司计谋治理的各个有关环节，以协同效应为评价尺度，指出当 前协作门路相较于组建康采恩门路的优势地点。吸取二者之长，团体化运作万能 金融的最好组织形式则是外部分别的治理型控股企业。与万能银行分歧，万能金 融其实不只是贸易银行营业与投资银行营业的混杂运营，而是融银行、证券和保险 于一体的、完整意义上的金融混业。是以，金融监管必需作出恰到好处的调剂， 必需加倍凸起定 性监管和兼顾支配，积极参考有关国际组织的建议。内部同一而外部分别的单一监管形式最能驾御储藏其间的异质风险和沾染风险。 万能金融请求以客户的需求为导向，可以或许供给一体化的金融办事，运用关系营销法发掘发卖潜力。这代表了欧洲和全球金融业成长的新偏向。出于表里部压 力的斟酌，中国迈入万能金融阶段也是必定的将来。但这一轨制的有用性要有产 权改造和监管古代化来保驾护航。 Abstract: Universal finance is Germany since 1983, in order to universal traditional characteristics of the bank basically springing up and is composed of a new financial system. The thought of self innovation coupling effect of institutional economics, combined with analysis of the logic of system theory, static and static to the universal financial results open comprehensive and profound research. Germany is the German universal financial insurance and banking services in product efficacy and mechanism with combination. It is a Germany recently ranked the sharp contraction of the plain near the personal assets and private pension demand, change the value of indecent, pay close attention to the outside Europe market construction and tube bundle, national tax collection policy encouragement and diversified enterprise innovation excited and so on many factors conspire results. Effects of product of three structured actual interpretation and universal important finance through institutions work jointly to accomplish product efficacy of fusion. Is the actual, diversification and its derivative is the cornerstone of this research universal financial actual results, and compare the customer preference model pioneered a unique perspective. In a series of business reputation and the regulation of insurance law and other relevant laws, regulation, German financial institutions to complete the universal important financial cooperation and formation of Konzern two roads. Through perspective and shaping the various relevant links of enterprise strategy management, in a synergistic effect for the evaluation scale. It is pointed out that when before collaboration opportunities compared to the formation of Konzern opportunities for advantage. Draw two long, the best organization form of group operation is an universal financial holding company governance type. With the universal bank differences, Wan Nengjin is not just a mixed operation financial commercial banking business and investment banking business, but complete melt the bank, securities and insurance in one, the financial industry. Is the financial supervision, must make the necessary adjustments just perfect, more outstanding supervision and take into account the dominating set, positive reference suggestions of international organizations concerned. Within the same single form respectively the external supervision can drive the risk of contamination and heterogeneous storage risk. Universal financial request to customer demand-oriented, can provide integrated financial services, the application of relationship marketing method to discover sales potential. This represents a new direction in Europe and the global financial industry growth. For the internal and external pressure into consideration, Chinese universal and inevitable future financial stage. But the usefulness of this system to have the property rights reform and supervision of ancient escort. |
