【作者】 段建宇；

【导师】 欧国立；

【作者基本信息】 北京交通大学 ， 产业经济学， 2009， 博士

【摘要】 缺乏综合金融创新空间的我国银行产业仍主要经营传统银行业务,其在金融高端市场竞争力低下导致我国金融资源大量流失,无法提供综合金融产品从而制约了我国经济整体升级进程。我国银行与发达国家银行产业之间巨大的整体差距表明二者处于不同的发展阶段,我国银行产业的发展阶段定位和升级路径是本文研究的经济学问题。国内外学者注重引用国外先进的研究理论和研究方法分析比较国内银行与国外银行相关数据,提出了降低银行产业进入壁垒、增加中小银行数量或降低行业集中度等措施提升我国银行产业整体绩效。但仅限于对我国银行产业进行某一方面的分析,目前尚没有对我国银行产业进行层次划分以及初级、中级、高级发展阶段的定位研究,也没有提出银行产业升级的提法。本文从国内银行产业的特殊性入手,对比中国与发达国家银行产业的市场结构、市场绩效,分析我国产业升级路径,以达到指导银行产业整体发展实践的目的。本文运用产业组织理论、制度经济学及金融创新理论系统整体分析我国和发达国家银行产业,将发达国家银行产业发展阶段划分为初级、中级和高级发展阶段;创建了我国与发达国家银行产业比较指标模型,对我国银行产业进行清晰的定位,并根据市场绩效(经营稳健性、盈利能力、经营效率指标)及在储蓄转化为投资过程中所处的位置,创新的划分我国银行产业内部层次。本文通过对我国银行产业外在、内在因素及国际同业竞争压力三个方面分析我国银行产业升级必然性。本文对发达国家银行产业升级过程进行实证分析并构建模型验证分析结论,对放开银行产业综合经营以期为金融创新提供空间以及投资银行在银行产业升级过程中的关键作用进行验证,从而找出我国银行产业升级的路径。提高银行公司治理水平是银行经营的基础,重构组织结构将使得商业银行更加适应市场营销的要求,再造银行业务流程可以有效提高商业银行运营效率,而银行全面风险管理则提高了银行可持续发展能力,因此本文从银行公司治理、组织结构、业务流程以及风险管理四个方面论述提高我国商业银行的综合运营水平。本文得出的结论主要有:第一,将发达国家银行产业发展阶段划分为初级、中级和高级发展阶段,我国银行产业处于中级发展阶段。这是本论文的创新点之一。第二,提出我国银行产业升级路径,即放开银行产业综合经营、赋予金融创新空间从而有效推动银行产业升级;放开金融企业市场化兼并重组以组建金融控股集团,这也是本文创新点。第三,我国推进金融综合经营、推进银行产业升级是完善商业银行服务功能以培育其核心竞争力、积极应对国际银行产业竞争的必然选择。第四,在银行产业升级背景下全面提升我国商业银行运营水平。第五,重视投资银行在银行产业升级进程中的关键作用。更多还原

【Abstract】 Lack of integrated financial innovation space, China’s industry is still mainly engaged in banking traditional banking business. The low competitiveness in high-end financial markets results to the great loss of China’s financial resources. Unable to provide comprehensive financial products has hampered China’s economy as a whole upgrade process. A huge gap between China’s banks and the banking industry of developed countries shows that at different stages of development.China’s banking industry positioning stage of development and upgrading of the path of research in economics is the question of this article.Scholars at home and abroad pay attention to the study cited the advanced theory and research methods of analysis and comparison of domestic banks and foreign bank-related data. They want the banking industry to lower barriers to entry, to raise small and medium-sized banks to increase or decrease the number of industry concentration and to take other measures to enhance the overall performance of China’s banking industry. But only a particular aspect of analysis on China’s banking industry, and there is no study on the level of China’s banking industry, as well as the primary, intermediate and advanced stages of development of the positioning and on the reference to industrial upgrading. This paper provides an international comparative survey of trends in banking industry, and seeks to indentify the way of Chinese banking industry upgrade.In this paper, the theory of industrial organization, institutional economics and the theory of financial innovation are used in the overall analysis of the banking industry in China and developed countries, and the stage of industrial development banks in developed countries are divided into beginner, intermediate and advanced stages of development.A comparative indicator of the banking industry model is created. And in accordance with its market performance (the operating stability, profitability, operating efficiency indicators) and in the process of location of savings into investment, the level of China’s banking industry is clear. This article demonstrats the inevitability of China’s banking industry to upgrade through analysis of the external、internal factors and the pressure of international competition. In this paper, the empirical analysis of the process of developed banking industrial upgrading is used and a model of empirical analysis is builded to find the path of banking industrial upgrading. Enhance the level of corporate governance is the basis of banks;reconstruction of the organizational structure will allow more commercial banks to adapt to the requirements of marketing;business Process Reengineering the bank can effectively improve the operational efficiency of commercial banks;comprehensive risk management of banks is to increase the capacity of the bank for sustainable development. So the article believes to improve the level of integrated operations of China’s commercial banks from the bank corporate governance, organizational structure, business processes and risk management.In this paper, the main conclusions are: First, the stage of industrial development in developed countries are divided into beginner, intermediate and advanced stage of development, China’s banking industry is in the intermediate stage of development. In this paper, this is one of innovation. Second, the upgrade path of China’s banking industry: to enlarge the space given to financial innovation in order to effectively promotes the upgrading of the banking industry; liberalization of financial mergers and reorganization of the enterprise market to the banking industry to set up the financial holding group. Third, it’s the inevitable choice to promote the integrated financial management and to promote the upgrading of the banking industry. Fourth, it’s important to enhance the operation of the level of China’s commercial banks. Fifth, we should put the emphasis on investment banking in the banking industry in the process of upgrading a key role.更多还原