發(fā)布時(shí)間：2018-08-06 13:00

【摘要】：對(duì)銀行綜合經(jīng)營風(fēng)險(xiǎn)管理的研究具有很重要的理論和現(xiàn)實(shí)意義。本文以銀行綜合經(jīng)營的理論基礎(chǔ)、風(fēng)險(xiǎn)管理的理論基礎(chǔ)、國內(nèi)外實(shí)證研究的文獻(xiàn)作為論文的理論基石,以國外銀行經(jīng)營的變遷及路徑分析作為論文的研究背景,以國外銀行綜合經(jīng)營風(fēng)險(xiǎn)管理的實(shí)踐經(jīng)驗(yàn)和國外銀行綜合經(jīng)營風(fēng)險(xiǎn)外部監(jiān)管體制為借鑒,分析了我國銀行綜合經(jīng)營中可能出現(xiàn)的風(fēng)險(xiǎn)及我國銀行的風(fēng)險(xiǎn)管理現(xiàn)狀,實(shí)證分析了我國銀行綜合經(jīng)營風(fēng)險(xiǎn)分散的效果,提出了適應(yīng)我國銀行綜合經(jīng)營的內(nèi)部風(fēng)險(xiǎn)管理體系和外部監(jiān)管體制。 全文共分為八個(gè)部分,各章主要研究內(nèi)容和觀點(diǎn)是: 導(dǎo)論部分,介紹了文章寫作的的研究背景及研究意義,對(duì)主要的概念加以辨析,就研究方法和路線,論文的整體框架、創(chuàng)新點(diǎn)及未來的研究方向進(jìn)行了說明。目前對(duì)銀行綜合經(jīng)營風(fēng)險(xiǎn)管理研究,有利于完善適應(yīng)我國金融綜合經(jīng)營的監(jiān)管制度,有利于構(gòu)筑完善內(nèi)部風(fēng)險(xiǎn)管理體系,有序推進(jìn)銀行綜合經(jīng)營。 第1章,首先對(duì)銀行綜合經(jīng)營的相關(guān)理論進(jìn)行分析,從規(guī)模經(jīng)濟(jì)和范圍經(jīng)濟(jì)、交易費(fèi)用理論、金融功能理論和資產(chǎn)組合理論等四個(gè)方面入手,分析了銀行綜合經(jīng)營的理論基礎(chǔ)。其次對(duì)風(fēng)險(xiǎn)管理的理論基礎(chǔ)和風(fēng)險(xiǎn)管理的演進(jìn)加以分析,風(fēng)險(xiǎn)管理的需求源于現(xiàn)實(shí)經(jīng)濟(jì)和金融市場的不完美,公司管理者對(duì)風(fēng)險(xiǎn)的厭惡。風(fēng)險(xiǎn)管理在演進(jìn)過程中具有明顯的三個(gè)特點(diǎn):風(fēng)險(xiǎn)控制向風(fēng)險(xiǎn)管理轉(zhuǎn)化、單一風(fēng)險(xiǎn)管理向全面風(fēng)險(xiǎn)管理轉(zhuǎn)化、定性分析向定量分析轉(zhuǎn)化。最后對(duì)國內(nèi)外已有的商業(yè)銀行綜合經(jīng)營風(fēng)險(xiǎn)管理的文獻(xiàn)按照是否產(chǎn)生綜合收益、能夠分散風(fēng)險(xiǎn)、不能分散風(fēng)險(xiǎn)、沒有明確結(jié)論等四個(gè)方面進(jìn)行了系統(tǒng)的、分層次的回顧和梳理。以上的理論分析和文獻(xiàn)綜述構(gòu)成了文章研究的理論基石,銀行綜合經(jīng)營來源于對(duì)規(guī)模經(jīng)濟(jì)、范圍經(jīng)濟(jì)的追求,來源于分散風(fēng)險(xiǎn)的需求,交易費(fèi)用的降低是銀行綜合經(jīng)營的動(dòng)力所在,而不變的金融功能是銀行能夠按照市場的需求選擇綜合經(jīng)營。 第2章,分析了國外銀行經(jīng)營制度變遷的歷程及路徑,銀行從產(chǎn)生,開始專業(yè)化經(jīng)營,依次存在自然混業(yè),分業(yè),混業(yè)等四個(gè)階段。銀行制度總是隨經(jīng)濟(jì)發(fā)展和經(jīng)濟(jì)環(huán)境的變化,在層次上表現(xiàn)為由低級(jí)向高級(jí)不斷演進(jìn),國內(nèi)銀行也不例外,綜合經(jīng)營是我國銀行必然選擇的制度模式。國內(nèi)銀行已經(jīng)積極開展綜合經(jīng)營,其動(dòng)力來源于信息技術(shù)的發(fā)展,銀行應(yīng)對(duì)國際競爭的需要和銀行轉(zhuǎn)型的需要,以及滿足顧客多元化需求的需要。 第3章,對(duì)銀行綜合經(jīng)營的風(fēng)險(xiǎn)進(jìn)行分析。風(fēng)險(xiǎn)分析是銀行綜合經(jīng)營進(jìn)行風(fēng)險(xiǎn)控制的基礎(chǔ),也是是否選擇綜合經(jīng)營考慮的重要因素。從銀行綜合經(jīng)營可選擇的組織模式來看,有金融控股公司和全能銀行兩種模式。在目前分業(yè)經(jīng)營、分業(yè)監(jiān)管的體制下,采取金融控股公司是銀行開展綜合經(jīng)營的主要形式。本文的風(fēng)險(xiǎn)分析就是基于金融控股公司的銀行綜合經(jīng)營風(fēng)險(xiǎn)分析,認(rèn)為銀行綜合經(jīng)營的風(fēng)險(xiǎn)分為金融控股公司層面風(fēng)險(xiǎn)和金融控股公司子公司層面上風(fēng)險(xiǎn),兩個(gè)層面上的風(fēng)險(xiǎn)存在交叉。在金融控股公司層面主要有內(nèi)部交易風(fēng)險(xiǎn)、利益沖突風(fēng)險(xiǎn)、高財(cái)務(wù)杠桿和清償能力不足的風(fēng)險(xiǎn)、透明度降低造成的風(fēng)險(xiǎn);在金融控股公司子公司層面上則通常存在信用風(fēng)險(xiǎn)、市場風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)等;兩個(gè)層面上存在內(nèi)部管理風(fēng)險(xiǎn)、法律和制度風(fēng)險(xiǎn)以及道德風(fēng)險(xiǎn)的重疊。對(duì)于銀行綜合化經(jīng)營所出現(xiàn)的風(fēng)險(xiǎn)通常是無法窮盡說明,只能按照重要性列出可能存在的主要風(fēng)險(xiǎn)。本章還分析了銀行綜合經(jīng)營后風(fēng)險(xiǎn)的傳遞機(jī)制,認(rèn)為風(fēng)險(xiǎn)傳遞是造成銀行綜合經(jīng)營風(fēng)險(xiǎn)擴(kuò)大的主要因素。 第4章,承接第3章風(fēng)險(xiǎn)分析的基礎(chǔ)上,對(duì)我國銀行綜合經(jīng)營的風(fēng)險(xiǎn)進(jìn)行實(shí)證研究。國內(nèi)、外實(shí)證研究文獻(xiàn)表明,模擬合并分析法是主流分析法,能夠取得很好的實(shí)證效果。本章采用模擬合并分析法結(jié)合回歸分析分析法,驗(yàn)證我國銀行綜合經(jīng)營是否能夠?qū)崿F(xiàn)風(fēng)險(xiǎn)分散,分析風(fēng)險(xiǎn)分散中各金融機(jī)構(gòu)各自的風(fēng)險(xiǎn)對(duì)分散效果的影響。實(shí)證結(jié)果表明我國銀行綜合經(jīng)營確實(shí)能夠?qū)崿F(xiàn)風(fēng)險(xiǎn)分散的效果,在風(fēng)險(xiǎn)分散中,銀行原有的風(fēng)險(xiǎn)所占比例很大,對(duì)綜合經(jīng)營風(fēng)險(xiǎn)分散的效果影響很大,揭示出銀行在綜合經(jīng)營中應(yīng)注重銀行業(yè)風(fēng)險(xiǎn)的管理。實(shí)證的結(jié)果為我國銀行綜合經(jīng)營提供了有力支持,明確了風(fēng)險(xiǎn)管理中的重點(diǎn)。 第5章,對(duì)國外大型銀行綜合經(jīng)營的風(fēng)險(xiǎn)管理實(shí)踐加以介紹,分別選取了英國的匯豐集團(tuán)、美國的花旗集團(tuán)、德國的德意志銀行和日本的瑞穗金融控股集團(tuán)。在對(duì)各國風(fēng)險(xiǎn)管理實(shí)踐分析、比較的基礎(chǔ)上總結(jié)了國外銀行風(fēng)險(xiǎn)管理體系的構(gòu)成,通常包括制度基礎(chǔ)、組織框架,風(fēng)險(xiǎn)管理技術(shù)及風(fēng)險(xiǎn)管理文化等四個(gè)方面。通過借鑒國外的成熟經(jīng)驗(yàn),為構(gòu)建我國銀行綜合經(jīng)營的風(fēng)險(xiǎn)管理體系提供借鑒。最后對(duì)全面風(fēng)險(xiǎn)管理進(jìn)行了介紹。 第6章,風(fēng)險(xiǎn)管理需要外部的監(jiān)管體制和完善內(nèi)部的風(fēng)險(xiǎn)管理體系相互配合,才能發(fā)揮最大的效用。本章首先分析了我國銀行風(fēng)險(xiǎn)管理中存在的問題。國內(nèi)銀行在風(fēng)險(xiǎn)管理的觀念、組織結(jié)構(gòu)、風(fēng)險(xiǎn)管理技術(shù)、風(fēng)險(xiǎn)管理文化等方面均與國外大型銀行存在較大的差距。本文認(rèn)為構(gòu)建我國銀行綜合經(jīng)營全面風(fēng)險(xiǎn)管理體系,應(yīng)借鑒國外成熟經(jīng)驗(yàn),結(jié)合我國實(shí)際國情,目前選擇間接一體化風(fēng)險(xiǎn)管理模式,未來過渡到垂直一體化風(fēng)險(xiǎn)管理模式,并根據(jù)選擇模式設(shè)置相應(yīng)的風(fēng)險(xiǎn)管理部門。在風(fēng)險(xiǎn)管理制度上要確定控股公司和子公司的風(fēng)險(xiǎn)限額;加強(qiáng)風(fēng)險(xiǎn)管理信息制建設(shè),明確風(fēng)險(xiǎn)管理的政策和程序;在風(fēng)險(xiǎn)度量方面,在定性分析的基礎(chǔ)上,逐步吸收國外先進(jìn)的風(fēng)險(xiǎn)管理技術(shù);風(fēng)險(xiǎn)管理文化方面,要逐步建立適應(yīng)我國特色的風(fēng)險(xiǎn)管理文化。同時(shí),應(yīng)完善內(nèi)部控制制度和公司治理結(jié)構(gòu),設(shè)立防火墻。 第7章,介紹了美、英、德、日四國對(duì)銀行綜合經(jīng)營的監(jiān)管模式及監(jiān)管的主要內(nèi)容,為完善我國監(jiān)管體制提供借鑒。我國現(xiàn)有的分業(yè)監(jiān)管體制和法律制度,很難適應(yīng)銀行綜合經(jīng)營發(fā)展的需要。本文提出建立適應(yīng)銀行綜合經(jīng)營的風(fēng)險(xiǎn)管理監(jiān)管體制,需要加強(qiáng)資本充足率水平,管理層任職資格、內(nèi)控和公司治理、投資者保護(hù)等四個(gè)方面的監(jiān)管,建立監(jiān)管協(xié)調(diào)機(jī)制、風(fēng)險(xiǎn)預(yù)警機(jī)制、信息披露機(jī)制、危機(jī)處理機(jī)制。建立和完善適應(yīng)銀行綜合經(jīng)營發(fā)展的各項(xiàng)法律制度。 論文主要在以下幾個(gè)方面有所創(chuàng)新: 1、對(duì)綜合經(jīng)營、混業(yè)經(jīng)營相關(guān)概念進(jìn)行比較和界定。目前的學(xué)術(shù)研究中,混業(yè)經(jīng)營、綜合經(jīng)營等各種概念經(jīng)常性地混同在一起,鮮有專門的學(xué)術(shù)文章和著作及文件中加以明確界定,本文從銀行經(jīng)營制度變遷的角度對(duì)綜合經(jīng)營、混業(yè)經(jīng)營等概念比較和界定。銀行經(jīng)營制度通�？梢詣澐譃閷�業(yè)化、自然狀態(tài)下的混業(yè)經(jīng)營、分業(yè)、混業(yè)經(jīng)營等四個(gè)階段,在層次上表現(xiàn)為由低級(jí)不斷向高級(jí)演進(jìn)。綜合經(jīng)營是分業(yè)向混業(yè)經(jīng)營中的一種過渡狀態(tài),它既包括銀行業(yè)內(nèi)業(yè)務(wù)之間的多元化經(jīng)營也包括各行業(yè)的跨業(yè)經(jīng)營,是以金融控股公司為主要組織模式,在我國分業(yè)監(jiān)管體制下,從事混業(yè)經(jīng)營的一種金融制度模式。國外并沒有綜合經(jīng)營的說法,通常以多元化經(jīng)營作為現(xiàn)階段的概括。我國的綜合經(jīng)營與國外的多元化經(jīng)營存在很大的不同,綜合經(jīng)營是在國內(nèi)法律和監(jiān)管體制并沒有發(fā)生變化的情況下,金融機(jī)構(gòu)從事多項(xiàng)金融業(yè)務(wù)的變通方式,考慮到為防范、控制風(fēng)險(xiǎn)的需要,目前的綜合經(jīng)營禁止金融機(jī)構(gòu)涉入實(shí)業(yè)�，F(xiàn)階段的綜合經(jīng)營不等同于自然狀態(tài)下的混業(yè)經(jīng)營,它是銀行經(jīng)營制度的一種高級(jí)形式,也不等同于完全的混業(yè)經(jīng)營,它是完全混業(yè)經(jīng)營的過渡形式。本文認(rèn)為綜合經(jīng)營是指商業(yè)銀行業(yè)務(wù)、證券業(yè)務(wù)、其它投資性金融業(yè)務(wù)在不同程度和不同范圍上相融合,以金融控股公司為組織模式,可以進(jìn)行跨業(yè)經(jīng)營而不能涉足實(shí)業(yè)的金融制度。 2、研究對(duì)象的選擇上,本文專門對(duì)銀行綜合經(jīng)營的風(fēng)險(xiǎn)管理進(jìn)行研究。目前各學(xué)者主要以金融控股公司、混業(yè)經(jīng)營、全能銀行等為題展開研究,內(nèi)容上對(duì)銀行綜合經(jīng)營風(fēng)險(xiǎn)管理均有涉及,但缺乏對(duì)銀行綜合經(jīng)營的系統(tǒng)研究。本文則將銀行綜合經(jīng)營風(fēng)險(xiǎn)管理進(jìn)行專門研究,在指導(dǎo)實(shí)踐上更具有針對(duì)性。 3、在實(shí)證分析的數(shù)據(jù)和樣本選擇上,本文采用了1999-2005年的數(shù)據(jù),在對(duì)樣本的選擇上選取2007年銀行家排名前列的上市銀行,證券公司選擇中信證券和宏源證券兩家上市證券公司,以及其他六家保險(xiǎn)公司作為樣本,兼顧綜合保險(xiǎn)公司和產(chǎn)、壽險(xiǎn)專業(yè)公司。數(shù)據(jù)和樣本的選擇通常對(duì)模擬合并分析的結(jié)果影響很大,選取最新的數(shù)據(jù)和合適的樣本更能反映實(shí)際情況。
[Abstract]:The research on the risk management of comprehensive bank management is of great theoretical and practical significance. This paper is based on the theoretical foundation of the comprehensive bank management, the theoretical foundation of the risk management, the literature of the empirical research at home and abroad as the cornerstone of the thesis, and the research background of the foreign banks' management changes and path analysis, and the foreign banks The practical experience of comprehensive management risk management and the foreign bank comprehensive management risk external supervision system are used for reference to analyze the possible risks in the comprehensive management of China's banks and the current situation of risk management in China's banks. The results of the risk dispersion of the comprehensive management of China's banks are analyzed, and the comprehensive management of China's banks is put forward. Internal risk management system and external regulatory system.
The full text is divided into eight parts. The main contents and viewpoints of each chapter are:
In the introduction part, it introduces the research background and significance of the article writing, analyzes the main concepts, and explains the research methods and routes, the overall framework of the paper, the innovation point and the future research direction. At present, the research on the risk management of the comprehensive management of the bank is beneficial to the improvement of the supervision system adapted to the comprehensive financial management in China. It is conducive to building and perfecting the internal risk management system and promoting the comprehensive operation of banks in an orderly way.
The first chapter, first of all, analysis of the related theories of comprehensive bank management, from four aspects of scale economy and scope economy, transaction cost theory, financial function theory and asset portfolio theory, the theoretical basis of the comprehensive management of banks is analyzed. Secondly, the theoretical basis of the risk management and the evolution of risk management are analyzed, and the risk management is also analyzed. The demand of reason stems from the imperfections of real economic and financial markets and the disgust of corporate managers. In the process of evolution, risk management has three distinct characteristics: Transformation of risk control to risk management, transformation from single risk management to comprehensive risk management, qualitative analysis to quantitative analysis. The literature of bank comprehensive management risk management is based on four aspects, such as whether the comprehensive income is generated, the risk can be dispersed, the risk can not be dispersed, and there is no clear conclusion. The theoretical analysis and the literature review are the cornerstones of the research. The comprehensive management of the bank comes from the scale of the bank. The pursuit of economy and scope economy comes from the demand of dispersing risk. The reduction of transaction cost is the motive force of the comprehensive operation of the bank, and the constant financial function is that the bank can choose comprehensive management according to the market demand.
The second chapter analyzes the course and path of the change of the foreign bank management system. The bank is from the emergence and the professional operation, and there are four stages of the natural mixing, dividing and mixing. The banking system always changes with the economic development and the economic environment. At the level, the bank is constantly evolving from the low level to the higher level, and the domestic banks are no exception. Management is the inevitable choice of China's banking system. Domestic banks have actively carried out comprehensive management. Their motivation comes from the development of information technology, the needs of the banks to meet the needs of international competition and the needs of the banking transformation, and the needs of the customer's diversified needs.
The third chapter analyzes the risk of comprehensive bank management. Risk analysis is the basis of risk control in the comprehensive management of banks, and is also an important factor to choose comprehensive management. From the view of the optional organization mode of the comprehensive management of banks, there are two modes of financial holding companies and Almighty bank. Under the system, the financial holding company is the main form of the comprehensive operation of the bank. The risk analysis of this paper is based on the risk analysis of the comprehensive management of the bank. The risk of the comprehensive management of the bank is divided into two levels: the risk of the financial holding company and the risk on the level of the subsidiary company of the financial holding company. At the level of financial holding companies, there are internal transactions risk, conflict of interest risk, high financial leverage and lack of liquidity risk, the risk of transparency reduction; in the financial holding company, the subsidiary company level usually exists credit risk, market risk and operational risk; there are internal management at the two level. The risk, legal and institutional risk and the overlap of moral hazard. The risk of a bank's integrated operation is usually inexhaustible. It can only list the main risks that may exist according to its importance. This chapter also analyzes the transfer mechanism of the risk after the comprehensive operation of the bank, and thinks that the risk transfer is the risk of the comprehensive management of the bank. The main factor of expansion.
The fourth chapter, on the basis of the third chapter risk analysis, carries out an empirical study on the risk of China's bank comprehensive management. The domestic and foreign empirical research literature shows that the simulation combined analysis method is the mainstream analysis method, and can achieve good empirical results. Whether the risk dispersal can be realized and the impact of the respective risks of each financial institution in the risk decentralization is analyzed. The empirical results show that the comprehensive management of the banks in China can indeed achieve the effect of decentralization of risk. In the risk dispersion, the original risk of the bank has a large proportion and has a great effect on the effect of the diversification of the comprehensive management risk. It reveals that the bank should pay attention to the management of the banking risk in the comprehensive operation. The empirical results provide a strong support for the comprehensive management of the banks in China, and the key points in the risk management are clearly defined.
The fifth chapter introduces the risk management practice of the comprehensive foreign banks in foreign countries, and selects the HSBC Group in Britain, the Citigroup of the United States, Germany's Deutsche Bank and Mizuho Financial Holding Group in Japan. The composition of the risk management system of foreign banks is summarized on the basis of the analysis of the practice of risk management in various countries. It usually includes four aspects, such as system foundation, organizational framework, risk management technology and risk management culture. By drawing on the mature experience of foreign countries, we can provide reference for the construction of the risk management system of China's bank comprehensive management. Finally, the comprehensive risk management is introduced.
The sixth chapter, risk management needs the external supervision system and the internal risk management system to cooperate with each other, can play the greatest utility. This chapter first analyzes the problems in the bank risk management in our country. It is believed that the comprehensive risk management system of the comprehensive management of China's banks should draw on the mature experience of foreign countries and combine the actual conditions of our country, and choose the indirect integrated risk management model, the future transition to the vertical integrated risk management model, and set up the corresponding risk management department according to the selection model. In the risk management system, we should determine the risk limit of the holding companies and subsidiaries, strengthen the construction of the risk management information system, clear the policies and procedures of risk management, and gradually absorb advanced foreign risk management technology on the basis of qualitative analysis. At the same time, we should improve the internal control system and corporate governance structure, and set up a firewall.
The seventh chapter introduces the supervision mode and main contents of the four countries of the United States, Britain, Germany and Japan on the comprehensive management of banks, and provides reference for the improvement of our country's regulatory system. The existing division of supervision system and legal system in our country is difficult to adapt to the needs of the comprehensive management and development of the banks. This paper proposes to establish a risk management supervision and regulation to adapt to the comprehensive management of the banks. The system needs to strengthen the regulation of four aspects, such as the level of capital adequacy, the qualification of the management, the internal control and corporate governance, the protection of investors, and the establishment and improvement of various legal systems to adapt to the comprehensive management and development of the bank.
The thesis is mainly innovative in the following aspects:
1, it compares and defines the concepts of integrated management and mixed operation. In the current academic research, the concepts of mixed operation and comprehensive management are often mixed together, and there are few special academic articles and books and documents to be defined clearly. This article from the perspective of the transition of banking system to mixed operation, mixed operation and so on. Concept comparison and definition. The bank management system can usually be divided into four stages, such as specialization, mixed operation in natural state, division of business, mixed operation and so on. Management also includes the cross industry operation of various industries. It is a financial system model that takes the financial holding company as the main organization mode and is engaged in mixed operation under the separate supervision system of our country. There is no comprehensive operation abroad. There are great differences in the comprehensive management of the financial institutions engaged in a variety of financial services under the circumstances of the domestic law and regulatory system. Considering the need to prevent and control the risks, the current comprehensive operation prohibits the financial institutions from entering the industry. The comprehensive operation at this stage is not equal to the natural state. Mixed operation is a kind of advanced form of bank management system, which is not equal to complete mixed operation. It is a transitional form of complete mixed operation. This article holds that comprehensive management refers to commercial bank business, securities business, and other investment financial services in different degrees and different ranges, with financial holding companies as groups. Weaving mode can carry out cross industry operation but can not set foot in the industrial financial system.
2, the choice of the research object, this article specializes in the research on the risk management of the comprehensive bank management. At present, the scholars mainly study the problems of the financial holding companies, the mixed operation, the Almighty bank and so on. The content is related to the risk management of the comprehensive management of the banks, but the systematic research on the comprehensive management of the banks is lack. The risk management of integrated operation is studied specifically, and it is more targeted in guiding practice.
3, in the data and sample selection of the empirical analysis, this paper uses 1999-2005 years of data to select the listed banks in the top ranking of the bankers in 2007, and the securities companies choose both CITIC Securities and Hongyuan securities listed securities companies, as well as six other insurance companies as samples, taking into account the comprehensive insurance companies and production. A life insurance company. The selection of data and samples usually has a great impact on the results of the simulated combined analysis. The selection of the latest data and the appropriate sample can reflect the actual situation more.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2008
【分類號(hào)】：F832.2

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本文編號(hào)：2167812