【作者】 王桢；

【导师】 张涌泉；

【作者基本信息】 天津财经学院 ， 金融学， 2005， 硕士

【摘要】 当前,经济全球化趋势进一步加强,世界金融业的发展达到一个新高度,资本运作 的国际化和多元化发展,使重组和并购已成为银行迅速发展的必然态势。银行重组有力 地促进了资本的合理流动,推动银行资本和经营的多元化发展,有效降低和化解银行风 险,提高银行的经营效益。我国国有商业银行应顺时求变,抓住“入世”的有利时机, 借鉴发达国家银行重组和并购的成功经验,深化产权制度改革,以市场为导向进行银行 资本的优化整合,增强综合竞争能力,为我国经济腾飞保驾护航。 本文在探讨国际国内银行重组的经验教训基础上进行实证分析,提出了我国商业银 行重组的理论和实践方案。本文认为加快我国银行业并购重组的市场环境建设,探索由 分业经营向混业经营过渡的途径,建立金融控股集团是民族银行业的发展的出路。中国 银行业要改变原有计划经济体制下的银行结构模式,实现向现代金融体制的转变,必须: 充分发挥市场机制的作用,实行高效率的并购重组。在并购重组的过程中,必须明确政. 府的职能,政府应该是并购的引导者和市场监督者。同时,政府应制定相关的法律、法 规规范并购市场,提供一种激励兼容的制度安排。银行重组是深化我国国有商业银行改 革、有效整合银行资源的有效途径。更多还原

【Abstract】 At present, there has been a distinct tendency towards globalization in the world’s economy and a rapid development in the world’s financial systems. The trend of bank restructures and mergers has been occurred all over the countries which can accelerate the reasonable flow of capital to meet the scientific and epoch development. Bank mergers is a viable way to reduce or remove risk and to promote operational benefits by forcing the rational flow of capital and pushing forward the diversified ownership of banks. By seizing the opportunities of entering the WTO and borrowing from the successful experience of developed countries’ banking restructures, the commercial banks in our country should take the time to make advancements by strengthening the reforms of the property rights system and optimize the reorganization of bank assets under the guidance of the market economy system, improving the comprehensive competitive ability, assisting in the improvement in our country’s economy. Presenting substantial evidence and analyzing on the basis of exploring the mergers, experiences and lessons of international banks and domestic banks, this article is presenting the theory and the practical program of the commercial bank restructures in our country. This article states that the market-oriented or the so-called market-impetus merger is the ideal stage, for it is the best way of distributing resources. It also holds on the point that the process of marketable bank M&A should be taken in China. Government should also help perfect the market economy and ensure the equality of market competition. Capital reconstruction and financial holding companies are best solutions to Chinas’ banking industry. Bank restructures is the basic solution to reform of state-owned commercial banks and to the efficient reorganization of bank assets.更多还原