【作者】 唐亮；

【导师】 肖殿荒；

【作者基本信息】 华中师范大学 ， 政治经济学， 2004， 硕士

【摘要】 本文力图运用制度创新理论，结合银行理论搭建一个初步的银行制度创新理论框架，以此揭示西方全能银行产生、发展的规律，为我国银行制度的改革创新和全能银行的发展提供理论依据。 新制度经济学有两个理论分支，一个是以科斯为代表的以交易成本为基础的企业理论经济学，包括交易费用理论和产权理论；另一个则是以诺斯和兰斯·戴维斯为代表，成功将制度经济学的制度理论和熊彼特的创新理论融合在一起，形成的制度创新理论，并给出了一般条件下制度创新的模型。以此为基础，笔者结合具体的银行制度理论，分别给出了市场经济条件下和计划经济向市场经济过渡条件下银行制度创新的模型。 全能银行，又称综合银行，指不受金融业务分业限制，能够全面经营各种金融业务的银行。它的产生和发展是无数次银行制度创新循环积累的结果，银行发展的历史就是一部银行制度创新的历史。由于不同的经济发展水平、经济结构状态、社会政治经济结构及一定的历史文化背景所决定的社会偏好结构所导致的银行制度发展的惯性路径的影响，在美国和德国分别形成了有代表性的以资本市场为基础的金融体系中的全能银行——金融控股型全能银行和以银行中介为基础的金融体系中的全能银行——内部综合经营型全能银行。这两种形式的全能银行各有利弊，但却在进一步的发展中呈现了相互融合的趋势。 我国金融业的成长经历了一个艰难曲折的过程，它既没有美国那样发达的资本市场，也没有德国那样强大的银行体系。在尚未完善的从计划经济向市场经济过渡的经济条件下，监管当局实行的严格的分业经营、分业监管的制度决定了我国目前全能银行的发展只能以金融控股型为主。一旦时机成熟，它将会与国际趋势相融合，内部综合经营型和金融控股型全能银行并举。更多还原

【Abstract】 This paper tried to use the theory of institution innovation, combined with the banking system theory to put up a preliminary frame of institution innovation theory for banks, by which disclosed the origin and evolution of universal banking system in western countries. Also, it provides a theoretical foundation for banking system reform and for the innovation and development of the universal bank in China.The New Institutional Economics has two theoretic branches, one is enterprise’s theoretical economics based on transaction cost, represented by Ronald H.Coase, which includes the theory of transaction cost and the theory of property rights. Another one, as represented by North and Lance E.Davis, is the theory of institution innovation, which is combined by the institution theory and the innovation theory (Joseph A.Schumpeter) . They provided us with the model of institution innovation under the general condition. Based on this, combined by the concrete banking system theory, the author provides with the models of institution innovation of the bank under the condition of market economy and the condition of carrying out the transition from planned economy to market economy separately.The universal bank, or called comprehensive bank , means a bank which is not limited by the financial dividing policy , can manage all kinds of financial transactions in an all-round way . Its development is the circulating accumulation result of countless institution innovations of the banking system. A history that the bank develops is a history of institution innovation of bank. Because of the influences of different economic development level, economic structure state, the economic structure of thesociety and politics and the inertia route of banking system development determined by social preference structure which is formed by certain historical culture background, the universal bank has formed two typicaltypes: the universal bank based on capital-market-financial holdinguniversal bank in U.S and the universal bank based on bankintermediation-inside comprehensive management universal bank inGermany. These two types each have pros and cons, but the trend of merging each other has appeared in further development.The growth of financial industry has experienced a difficult and arduous course in China, It hasn’t so developed a capital market in U.S, nor so strong a banking system in Germany. Under the economic condition of carrying out the transition from planned economy to market economy, the supervisory authorities has implemented a strict segregation system, which has determined that the development of the universal bank can only rely mainly on financial holding universal bank in our country. Once the opportunity ripes, it will merge with the international trend, financial holding universal bank and inside comprehensive management universal bank develop simultaneously.更多还原