金融集团：制度创新与监管研究
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摘要
近年来,随着金融自由化和全球化的发展,全球金融体系和金融结构发生了深刻变革,传统的商业银行领域出现了“脱媒”趋势。激烈的竞争压力和信息技术的快速发展催生出新的金融机构、组织制度和交易工具,分业经营体制被逐渐打破,金融创新和集团化经营成为国际金融发展的重要特征。
论文以金融集团为研究对象,从制度创新的角度出发,运用制度经济理论、金融创新理论、信息经济学理论、金融监管等理论以及实证研究的方法,对金融集团制度创新和风险监管进行了较为系统的理论探讨和实证研究,并将研究的落脚点放在中国金融集团的发展和监管上,得出中国金融集团制度创新的一般规律,对中国未来金融集团监管提出了政策建议。论文共分七个部分,基本思路如下:
导论部分:对金融集团制度创新的背景进行研究,认为金融集团是现代金融业的重大创新,回顾了国内外有关金融集团研究的理论文献,对论文研究的若干基本问题进行了阐述,是整篇论文的总起。
第一章是论文的理论基础部分,以制度经济理论、金融创新理论为基础,对金融制度创新和金融监管有关理论进行
Recently, with the development of financial deregulation and globalization, the global financial system and structure have changed greatly. Keen competitive pressure and information technology speed up the innovation of the new financial institution, organizations, markets and the dealing instruments. Financial innovation and group operation become the key character of the international financial development.
This thesis targets the financial conglomerates as the study object, starts the researching point from institutional innovation, applies the Institutional Economic Theory, Financial Innovation Theory, Information Economic Theory, Financial Supervision Theory and the empirical researching method to the systemic theory investigation and empirical study in the institutional innovation of financial conglomerates and the risk supervision. Meanwhile, this thesis emphasizes the development and supervision of Chinese financial conglomerates, finds out the general rule of Chinese financial institutional innovation and forwards some proposals for the future supervision of Chinese financial groups. This thesis consists of seven parts. The basic train of thought is as follows:
论文以金融集团为研究对象,从制度创新的角度出发,运用制度经济理论、金融创新理论、信息经济学理论、金融监管等理论以及实证研究的方法,对金融集团制度创新和风险监管进行了较为系统的理论探讨和实证研究,并将研究的落脚点放在中国金融集团的发展和监管上,得出中国金融集团制度创新的一般规律,对中国未来金融集团监管提出了政策建议。论文共分七个部分,基本思路如下:
导论部分:对金融集团制度创新的背景进行研究,认为金融集团是现代金融业的重大创新,回顾了国内外有关金融集团研究的理论文献,对论文研究的若干基本问题进行了阐述,是整篇论文的总起。
第一章是论文的理论基础部分,以制度经济理论、金融创新理论为基础,对金融制度创新和金融监管有关理论进行
Recently, with the development of financial deregulation and globalization, the global financial system and structure have changed greatly. Keen competitive pressure and information technology speed up the innovation of the new financial institution, organizations, markets and the dealing instruments. Financial innovation and group operation become the key character of the international financial development.
This thesis targets the financial conglomerates as the study object, starts the researching point from institutional innovation, applies the Institutional Economic Theory, Financial Innovation Theory, Information Economic Theory, Financial Supervision Theory and the empirical researching method to the systemic theory investigation and empirical study in the institutional innovation of financial conglomerates and the risk supervision. Meanwhile, this thesis emphasizes the development and supervision of Chinese financial conglomerates, finds out the general rule of Chinese financial institutional innovation and forwards some proposals for the future supervision of Chinese financial groups. This thesis consists of seven parts. The basic train of thought is as follows:
引文
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中国人民银行网站:www.pbc.gov.cn
中国银行业监督管理委员会网站:www.cbrc.gov.cn
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