【作者】 侯曦华；

【导师】 王肃元；

【作者基本信息】 兰州商学院 ， 经济法， 2011， 硕士

【摘要】 随着我国加入世贸组织以来,拥有先进管理经验和技术优势的的国外商业银行逐渐进入我国市场,尤其是2008年美国金融危机以来,我国商业银行在经营发展过程中逐渐暴露出各种各样的风险,我们必须认识到：首先,这是我国的银行体系实现跨越式发展的一个契机,其次,随着我国银行业逐渐步入世界银行业的正规,同样面临巨大的商业风险,美国的次级抵押贷款危机导致美林、摩根等银行纷纷倒闭,说明国外的风险管理模式是不能完全杜绝风险的,所以在我们更多的重视对于国外先进经验学习的同时,对于我国的第一家商业银行--山西票号,在风险防范方面的经验同样需要值得借鉴和学习,本文正是选择了这样一个切入点,通过与国外的防范现状的对比,尤其是金融危机中经验和教训的总结,配合我国晋商银行的发展实践,力图从理论和实证的角度真正提出具有中国特色的风险防范的制度和方法。本文第一部分阐述了山西票号的起源及发展,主要从山西票号产生的社会历史条件、发展的特点两个方面对于票号这一历史主体进行了纵向的探讨和分析。本文第二大部分即分别从五个方面分析研究了山西票号在风险管理上的具体制度：第一,资本金制度；第二,业务风险管理；第三,分支机构控制制度；第四,职员控制制度；第五,同业风险控制制度。本文第三部分相应的从五个部分对于上述五种制度进行了逐一的分析和归纳。在总结大量史料的基础上,概括出晋商票号中关于风险防范方面的经验教训。本文的第四个部分主要是以史为鉴、借古喻今,通过与我国现代商业银行的对比,同样从上述五个方面提出对于现代银行业发展的建议,为了增加本文的实证和现实意义,穿插了我国关于美国次贷危机对于我国商业银行的启示以及晋商银行的具体发展和实践等等内容,期待可以对于我国商业银行的长期稳定发展提出改进的建议和措施。更多还原

【Abstract】 Since China joined the WTO, with advanced management experience and technological advantages of foreign commercial banks to gradually enter the China market, particularly the 2008 U.S. financial crisis, China’s commercial banks in the business development process, gradually revealed a wide variety of risks, we must recognize that:First, it is China’s banking system to achieve a leap-forward development opportunities, and secondly, as the banking industry gradually into the world of the formal banking sector, also face significant commercial risks, the U.S. sub-mortgage crisis led to Merrill Lynch, Morgan and other banks have been closed down, the risk management model that is foreign not completely eliminate the risk, so more of our attention for the advanced experience of foreign study at the same time, for the first commercial bank in China-Shanxi Road, in terms of risk prevention should learn from the experience of the same needs and learning, this is a starting point selected by the status quo with the contrast against foreign, especially the financial crisis, a summary of experiences and lessons learned, with China’s Shanxi the development of commercial banking practice, trying to theoretical and empirical perspective from the proposed real risk prevention with Chinese characteristics, the systems and methods.The first part describes the origin of Shanxi Draft and development, mainly arising from the Shanxi Draft social and historical conditions, the characteristics of the development of both the main body for the ticket number for the historical discussion and analysis of the vertical. This article is the second most of the analysis from five of the Shanxi Draft specific risk management system:First, the capital system; Second, the business risk management; Third, the branch control system; fourth, staff of the control system; Fifth, the industry risk control system. The third part from the five parts corresponding to each of the five systems were analyzed and summarized. In summing up, based on a large number of historical, summarized the Shanxi Draft on lessons learned regarding risk prevention. The fourth section of this paper is mainly learn from history, by this ancient metaphor, modern commercial bank in China by contrast, the same five areas from the above proposed recommendations for the development of modern banking, to increase the empirical and practical significance, interspersed China on the U.S. subprime mortgage crisis for our country to the Commercial Banks and the Merchants Bank’s specific development and practice and much more, look forward to China’s commercial banks for long-term stable development of recommendations for improvement and measures.更多还原