| （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。） 在以后经济金融全球化的年夜情况中，世界列国金融系统的全球化扩大构成金融全球化的主流。经济、金融成长和科技提高，推进着万能银行全球化的过程。以美国和德国为首的许多东方国度都以分歧的措施年夜力成长各类形状的万能银行，德语论文范文，以进步其银行业在国际金融市场的竞争力。特别是20世纪90年月末以来，以银行跨业、跨国购并为主旋律的第五次全球购并海潮的鼓起，发生了一个又一个超等年夜型跨国万能银行，如花旗、汇丰、德意志等等，分支收集普及全球各地。而国际的成长方法固然也在加速，金融控股型万能银行已初露眉目，但在分业运营、分业监管的年夜格式限制下，依然有表里两重天的感到。如今中国曾经正式成为WTO成员国，万能银行的全球化趋向会给慢慢开放的中国金融系统和金融市场带来激烈冲击，中国银行业只能适应汗青潮水，成长万能银行，另外别无选择，然则中国万能银行的成长依然面对一个途径选择的成绩。万能银行从年夜的方面可以分为两品种型：一种是德国式万能银行，即外部综合运营型万能银行；另外一种是美国式万能银行，即金融控股型万能银行。两种万能银行的发生和成长途径分歧，组织构造和监管措施也有很年夜差别。本文对美国式万能银行和德国式万能银行这两种万能银行的典范代表加以研究，德语论文，经由过程对两品种型万能银行的内在、发生与成长、组织构造、监管措施等停止比拟，得出二者各具特点，分离具有各自的优势和优势，而且最近几年来出现互相融会趋向的结论。比拟成果对于中国理论具有主要的自创意义，中国万能银行会由金融控股型万能银行开端终究走向外部综合运营型与金融控股型万能银行并举。在组织构造方面会由H型构造开端成长到兼收并蓄H型与M型两种组织构造的优势，出现多样化趋向。中国对万能银行的监管也会跟着万能银行的构成和成长过程加快改造，向国际规矩和通例挨近，完成功效性同一监管。 Abstract: Later in the eve of economic and financial globalization, the globalization of the countries in the world financial system to expand constitute the mainstream of the financial globalization. Economic, financial development and technology improvement, and promote the process of globalization of universal banking. Led by the United States and Germany, many western countries are with different methods on the eve of the force to grow various shapes of universal banks, to improve its banks in the international financial market competitiveness. Especially in the 20 century 90 years since the end of the month, the bank across the industry, transnational merger and acquisition (M & A) is the main melody of the fifth global merger and acquisition tide bulge, a super large-scale transnational universal banks, such as Citigroup, HSBC, Deutsche, and branch network spread around the world. And international growth measures although accelerating, financial holding universal bank has been on the prospect of a solution, but in the separate operation, separate supervision of large format restrictions, there are still feel inside and outside double day. Now China has officially become a member of the WTO and the globalization of universal banking trend will bring intense impact to slowly opening up of China's financial system and financial market, China banking industry can only adapt to the tide of history, growth of universal bank, also don't have a choice, however the universal bank's growth still face a choice results. Universal bank from the big field can be divided into two types: one is the German universal banks, namely external integrated operation type universal banking; another is American universal banks, financial holding universal banks. Two kinds of universal banks and occur growth path differences, organization structure and supervision method also has the very big difference. The American universal banks and German universal bank both universal bank model represents are discussed. Through the process of two types of universal banks, internal development and growth, organization structure and regulatory methods compare that both have their own characteristics, separation with their respective strengths and advantages and in recent years appear fuses mutually trend of conclusion. Results of the comparison about the theory in China has an important reference, China universal banks by financial holding universal banks start eventually to external integrated operation and financial holding type universal bank simultaneously. In the aspect of the organizational structure will by H type construction began to grow to advantage of incorporating the type H and M type two kinds of organizational structure, diversification trend. Chinese supervision of universal banks will follow the universal banking structure and growth process to speed up the transformation, to the international rules and groovy near, completion of the efficacy of the same regulatory. 目录: |
