论商业银行发展的战略方向——大整合,大购并_银行管理论文.docVIP

论商业银行发展的战略方向——大整合,大购并_银行管理论文 论商业银行发展的战略方向——大整合,大购并_银行管理论文 内容概要 21世纪是知识经济与新金融时代,国际银行业最为引人注目的特征是银行业并购事件层出不穷,数量之多,斥资之巨,规模之大.形成了席卷全球的银行并购浪潮,并涌现出了一大批国际银行业的超级巨无霸式的金融机构.打破了对银行业经营地域的限制和分业管制,实行银行,证券,保险,信托混合经营,反映了现代商业银行的业务逐步向全能化,国际化,规模化,新技术化发展趋势.本文阐述了商业银行作为现代金融企业,其整合和购并的动因和目标是多元化,购并这一过程的顺利进行需要有一个良好的制度环境给予支持.分析了我国商业银行的现状.提出我国银行业并购的做法和建议:进行国有独资商业银行的内部整合进行国有独资商业银行的之间的并购进行国有独资商业银行与股份制银行之间的并购进行中国银行业对外资银行的并购进行银行业对非银行金融机构的并购. Abstract The 21st century is granted as a knowledge-economy and innovation-finance era. The most spectacular feature in the international banking industry is MampA one after another among banks with a large scale and great quantity, hence resulting in the wave that swept the whole world and the appearance of super financial institutions. These institutions have not been restricted by banking operation area and separately management system, but can engage in the field of banking, security, insurance and trust, etc, which reflects the trend that the business of modem commercial banks have internationalized and synthesized and technically innovated. This article demonstrated that commercial banks as a modern financial enterprise enterprise aimed at versatility through merger and acquisition. This process that MampA will be successful requires a suitable environment. Furthermore, it also give some suggestion about the progress for MampA among banks in china, which is as following the integration inside the state-owned commercial banks the merging between the state-owned commercial banks the merging between state-owned commercial banks and joint-stock banks merging foreign banks into Chinese banks and merging non-bank financial institution into banks. 论文提纲 一,国内外银行业的购并概况介绍 (一)商业银行业发展的全能化 (二)商业银行业发展的规模化 (三)商业银行业发展的国际化 (四)商业银行业发展的高新技术化 (五)银行业并购的外部动因 (六)我国银行业的现状 二,商业银行整合和购并的动因,目标,基础 (一)商业银行整合和购并的动因 1,扩大规模,抢占市场,获取竞争优势的需要 2,实现规模经济的需要 3,实现协同效应的需要 (二)商业银行整合和购并的目标 1,拓展商业银行业务实行多元化经营 2,获取高新技术,提高国际竞争力 3,实现高效率扩张,提升实力规模 (三)商业银行整合和购并的基础 三,我国银行业并购的做法,问题及建议 (一)银行购并的主要做法 1,合并 2,现金购买