联系我们

论文查询结果	返回搜索

论文编号：	7252
作者编号：	2220130968
上传时间：	2015/6/3 18:14:48
中文题目：	混业经营背景下金融机构业务创新模式及风险控制策略研究
英文题目：	Innovation Mode and Risk Control Strategy Study of Financial Institution in Trend of Mixed-operation
指导老师：	杨斌
中文关键字：	混业经营;金融创新;资产证券化;银信合作;风险及控制策略
英文关键字：	Mixed-operation; Financial Innovation; Asset Securitization; the Cooperation between Commercial banks and Trust Companies; Risk and Strategy
中文摘要：	随着全球资本市场与资金市场不断交叉融合，金融混业经营的趋势越来越明显，并呈现出多种形态并存的格局。中国的金融业在快速发展和变革的过程中，也呈现出混业经营的趋象。在混业经营的趋势下，不同金融机构之间基于合作的创新型业务模式越来越多，比如银证合作、银信合作、银证信合作等，还有金融机构和非金融机构之间的联合，如金融控股平台业务模式等。由于这些创新业务还处在发展初期，创新模式尚不成熟，存在有待完善之处。相关从业人员的经验不足以及监管的缺位引发控制风险的能力不足，均易导致潜在风险的爆发，对经济与社会的安定造成冲击。因此，针对我国金融混业经营趋势下金融机构业务创新模式及风险控制策略展开研究，将具有较强的理论价值和现实意义。本文基于对国际金融业发展历史进程的梳理和相关经济学理论的指导，对于混业经营背景下金融机构业务创新模式及风险控制策略进行了研究。首先回顾了混业经营和金融创新的相关理论；然后对中国金融业混业经营趋势下的金融创新业务的模式进行了相关介绍，尤其是对银证信合作的银行信贷资产证券化业务和银信合作的金融创新业务做了较为详尽的阐述，分析了国内资产证券化的发展历程、运作模式和业务特点，阐述了银信合作开展金融创新业务的现实动因和业务模式；同时对于金融控股平台的业务模式运用案例分析的方法进行了论述。最后，本文分析了银证合作模式、银信合作模式和金融控股平台模式等创新业务中潜在的风险，并提出了相应的风险控制策略。
英文摘要：	With the reform and development of the financial industry，the trend of mix-operation is more and more significant, the pattern of mixed-operation is more and more significant. Financial industry is in rapidly developing and reforming process, mixed-operation also exists in Chinese financial markets. With the tendency of mixed-operation， there is much more cooperation of different financial agencies and innovation of financial business， such as the cooperation between commercial banks and securities companies， commercial banks and trust companies， securities companies and trust companies， or the financial control group. Because the innovation business is launched not long ago， there is always some defects in the business， which will bring about some risks and it has been a hot social topic. As a result, a study of innovation mode and risk control strategy in trend of mixed-operation is necessary. Based on experience of international advanced financial market development and guidance of related economic theory, this paper research innovation mode and risk control strategy in trend of mixed-operation is necessary. First, we retrospect related theory of the mixed-operation and financial innovation. Second, interprets the patterns of financial innovation， especially the Asset Securitization and the cooperation between commercial banks and trust companies. The tracks and business patterns of the Asset Securitization is interpreted， and the motivation and patterns of the bank-trust cooperation, and then discuss the mode of the financial control group. Finally, we discuss the risk and find strategy of the financial innovation of the existing mode.
查看全文：	预览  下载(下载需要进行登录)