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论文编号：	2856
作者编号：	2120082247
上传时间：	2010/12/10 13:01:54
中文题目：	“针对金融自由化”浦发银行经营对策研究
英文题目：	Research on Shanghai Pudong Development Bank''s Operational Countermeasures to Financial Liberalization
指导老师：	肖沂
中文关键字：	金融自由化;金融抑制;汇率自由化;分业经营;风险
英文关键字：	financial liberalization; financial restrains;foreign exchange rate liberalized;divided operation;integrated operation
中文摘要：	在过去的20几年里，金融自由化在世界范围内的发展对各国的金融体系改革产生了广泛的影响。西方发达国家和发展中国家相继解除了一些金融管制措施，如实施利率、货币、金融业务和金融市场等全方位金融自由化、国际化战略。但受各国经济体制、发展水平以及金融自由化模式和程度的不同，金融自由化的本质虽有相同之处，却也有颇多差异。另一方面，金融自由化的进程往往是伴随着争端和危机的爆发，以至于一些持反对意见的人认为金融自由化本身就是一次巨大的危机。 本文通过回顾发生在上世纪末本世纪初的几次金融危机，对比外资银行金融自由化的发展历程，探讨金融自由化进程中蕴含的风险，以及预防、控制风险的方法。我国的商业银行作为一个具有鲜明特点的银行群体，在享受金融自由化带来的灵活机制以外，更要充分意识到过度自由本身就蕴藏着巨大风险。本文以浦发银行为实际案例，解析金融自由化给它们带来的机遇和挑战，对比借鉴国际知名大银行在金融自由化趋势下的经营对策，探寻适合我国股份制商业银行趋势下差异化的经营方式，在合理控制的同时保持持续稳定的盈利能力。
英文摘要：	In the past 20 years, the financial liberalization has had profound influence on financial reforms globally. Financial restrain has been broken up gradually in both developed and developing countries. Some new financial regulations and strategies have been made consequently. However, due to different economic structures, developing status and financial markets, the essence of financial liberalization varies in different countries. With the development of financial liberalization, there has been conflicts and crisis. Some scholars who hold negative opinion on financial liberalization even regard financial liberalization itself as a severe crisis. In this article, we trace back to the early 21st century in order to analyze varies risks under the development of financial liberalization. Local commercial banks are enjoying the favor of financial liberalization; however, they should have a clear mind on risk controlling. In the article, I select some real case in Shanghai Pudong Development Bank’s daily operations in order to show what financial liberalization brings to them and try to explore a way under which our Chinese commercial banks could obtain a feasible risk control with a stable profitability.
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