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论文编号:JR067 本份论文包括开题报告,毕业实习报告,任务书,外文翻译,论文字数:20954,页数:34
摘 要
现阶段我国金融业已全面对外开放,外资银行在等待多年之后,2007年可以全方位地将其历经数十年甚至上百年锤炼的经营理念、服务产品呈现在中国消费者面前,与中资银行展开全面竞争。为了赢得竞争,实现可持续发展,我国的商业银行加大金融创新力度已迫在眉睫。我国商业银行金融创新的策略,从宏观角度看,应进行监管创新和推进利率市场化;从商业银行自身看,首先应树立正确的金融创新观念,完善内控制度,健全运作机制,加大服务和技术创新。在此基础上,深化金融体制改革,兼顾风险防范,积极探索业务创新,中间业务、资产证券化以及混业经营应作为现阶段商业银行金融业务创新的重点。
关键词: 商业银行; 金融创新; 金融监管
Abstract
The Chinese financial field was opened wholly, after waiting formany years , the foreign banks can bring their advanced operational and service productsto Chinese consumers,and compete with China commercial banks in every field in 2007. In orderto win the competition,and carry out the sustainable development,it is impending forChina commercial banks to promote the development of the financial innovation. Through the analysis of the present situation of financial innovations of China commercial banks thoroughly, it is pointed out that there are thecharacters of financial innovations of China commercial banks and problems in both of the financial supervision and operation of commercial banks. Concerning supervision ,thereform of financial institution should be deepened,the financial supervision should be innovated and the interest rate should be promoted; secondly,as for commercialbanks ,they must have correct ideas of financial innovations,perfect the internal controlsystem and the operational institutions,and strengthen the service and technicalinnovation. Then considering the risk control, it should probe business innovations activelythrough emphasizing the intermediate business、assets securities business and mixed operation.
Keywords: commercial bank; financial innovation; financial supervision
目 录
摘 要 ......................................................I
Abstract ......................................................II
1 绪 论 .....................................................1
1.1 研究背景 .................................................1
1.2 研究目的及意义 ...........................................1
1.2.1 研究目的 ...............................................1
1.2.2 研究意义............................................... 1
1.3 国内外研究现状 ...........................................2
1.3.1 国外研究现状 ...........................................2
1.3.2 国内研究现状 ...........................................2
1.4 研究方法及内容 ...........................................3
1.4.1 研究方法 ...............................................3
1.4.2 研究内容 ...............................................3
2 金融创新的理论基础 .........................................4
2.1 金融创新的内涵 ...........................................4
2.2 金融创新的理论........................................... 4
2.2.1 技术推进论 .............................................4
2.2.2 财富增长理论 ...........................................5
2.2.3 交易成本理论 ...........................................5
3 西方发达国家商业银行的金融创新 .............................6
3.1 以美国为代表的发达国家金融创新的概况 .....................6
3.2 发达国家商业银行金融创新的特征........................... 6
3.2.1 经营理念以客户为中心................................... 6
3.2.2 业务经营趋向综合化..................................... 7
3.2.3 科学的组织架构 .........................................7
3.2.4 严密的风险管理体系与内控机制........................... 8
4 我国商业银行金融创新的现状和存在的问题..................... 9
4.1 我国商业银行金融创新的现状............................... 9
4.1.1 金融业务综合化......................................... 9
4.1.2 金融活动国际化......................................... 10
4.1.3 金融交易电子化 .........................................11
4.1.4 金融衍生产品复杂化 .....................................11
4.1.5 金融服务个性化 .........................................12
4.2 我国商业银行金融创新存在的主要问题 .......................12
4.2.1 我国商业银行金融创新存在的外部环境问题 .................12
4.3.2 我国商业银行金融创新存在的微观问题..................... 13
5 我国商业银行金融创新策略探讨 ...............................17
5.1 我国商业银行金融创新宏观环境的解决对策...................17
5.1.1 进行金融监管创新....................................... 17
5.1.2 促进金融市场竞争 .......................................17
5.1.3 推进利率市场化......................................... 17
5.2 我国商业银行金融创新微观环境的解决对策 ...................18
5.2.1 确立正确的金融创新观念 .................................18
5.2.2 深化金融体制改革 .......................................18
5.2.3 完善内控制度,健全运作机制............................. 18
5.2.4 加大服务和技术创新......................................19
5.2.5 积极探索业务创新 .......................................20
5.2.6 加强风险管理........................................... 21
结 论 ......................................................23
参考文献...................................................... 23
致 谢 ......................................................25
附 录1 .....................................................26
附 录2 .....................................................31