德国硕士毕业论文:德国金融系统的特点-全能银行为例 [2]
论文作者:www.51lunwen.org论文属性:硕士毕业论文 thesis登出时间:2016-07-30编辑:anne点击率:10646
论文字数:11134论文编号:org201607301136256753语种:英语 English地区:德国价格:$ 132
关键词:德国硕士毕业论文德国金融系统银行
摘要:本文系统地考察了西方国家特别是德国的全能银行体系的发展历史,比较了独立的银行体系和全能银行体系的优缺点,通过对中国银行业的背景和现状的研究,分析了中国市全能银行的可行性。
2.3 The necessity of the universal banking development in China 7
2.3.1 The motives for universal development of commercial banks in China 7
2.3.2 Universal management is the inexorable choice for the bank of China 9
Chapter3 Research Design and Methodology 12
3.1 Research Design 12
3.2 Methodology 12
Chapter4 Discussion 13
4.1 The development of universal banking system in America 13
4.1.1 The weakened Glass-Steagall Act 13
4.1.2 The passage of Gramm-Leach-Bliley Act 14
4.1.3 The implementation of Financial Services Modernization Act 14
4.2 The development of universal banking system in Western Europe 15
4.2.1 Universal banking system in Germany 16
4.3 Feasibility analysis on universal banking system in China 17
4.3.1 The practice of universal operation in banking industry in China 17
4.3.2 The constraints for the development of universal banking system in China 18
4.4 The optimal model for universal banking development in China 19
4.4.1 The optimal model for universal banking development in China: Financial holding universal bank 19
4.4.2 The feasible organizational forms of universal banks in China 20
4.4.3 The effectiveness and risks of the choice of financial holding universal bank in China 24
Chapter5 Conclusion and Recommendation 24
5.1 Overall Conclusion 24
5.2 The history of universal banks in Germany 25
5.3 Characteristics of different banking systems 25
5.4 The feasibility of universal banking system in China 26
5.5 Recommendation 26
REFERENCE: 27
5.5 Recommendation推荐
The destination of separatingoperation and separating management is to build Fire Wall between commercial banks and securities companies, in case commercial banks continue to invest in capital market without any limit. By this way, risks are limited in certain industry without expansion into other industry, thus reducing systematic risks.Therefore, in terms of financial supervision, establishment of Fire Wall is the essential method to prevent risks from universal operation.
Based on the current situation in banking industry in China which can only support financial holding company as analyzed in previous chapters, the two main actions should be taken are building Fire Wall and supervision of capital. Five measures should be taken to govern and supervise the universal banking development in China.
1. Building strict Fire Wall
2. Limitations of connected transactions
3. Control of the concentration of risks
4. Requirements for qualifications of senior managers
5. Information closure of financial holding company
Overall, the
dissertation states that the universal choice is a certain developing direction for banking industry in China. Compared with Germany, it is convinced that the only possible model for universal banking system in China is financial holding company. Whether the implementation of universal ba
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