mixed business operation 中文意思是什麼
mixed business operation
解釋
混業經營-
During more than twenty years ’ reform, the chinese finance system has been going through mixed, dividual, and then mixed management. before 1978, the people ’ s bank of china managed the hole finance system and deal with business bank operation. after the business bank law of prc was carried into execution in 1995, there was strict dividual - management in chinese finance system, that is to say that bank was prohibited to invest to non - finance institutions and enterprises
本文從金融混業經營的內涵與外延;實行混業經營的動因;實行混業經營是否必然加劇或引發銀行風險以及實行混業經營面臨的風險和障礙等四個方面進行了闡述，並在對我國銀行業經營體制的變遷，及對目前國際上主流的混業經營模式進行分析的基礎上，提出金融控股公司模式是目前我國實行混業經營的理想模式。 -
China ' s financial industry : the implementation of mixed business strategy under diversified business operation
實施分業體制下的混業經營戰略 -
We should attach more importance to following channels at present time : broaden monetary market function ; perfect stock mortgage loan ; develop investment institute ; explore investment banking business, including investment funds business channel, insurance business channel and security business channel ; make financial organization renovation. following policy suggestions should be applied : 1 ) perfect the policy environment ; 2 ) treat the problem rationally ; 3 ) implement financial mixed operation system in due time ; 4 ) foster financial market ; 5 ) enhance external supervision ; 6 ) deepen the construction of commercial banks ; 7 ) introduce bank capital into stock market in stages
貨幣市場和資本市場的不協調發展使證券機構出現制度外與體制外融資或違規操作，必須在兩個市場間建立資金和信息對流的寬敞通道，在路徑設計上，當前應擴展同業拆借市場、國債回購市場等貨幣市場渠道功能;完善股票質押貸款，及時推出非券商股票質押貸款，並注重風險防範;大力發展養老基金、保險公司、信託基金等機構投資者，吸收銀行資金間接入市;拓展投資銀行業務，包括基金、保險業務渠道、券商業務渠道、公司業務渠道;設立證券金融公司或金融控股集團，進行組織制度創新。 -
There are a lot of advantages in mixed operation, such as : reduce the risk of the bank ; strengthen the competitiveness of business bank, lowering costs etc. but mixed operation strengthens the degree of difficulty in financial supervision
實行混業經營的有利方面很多，諸如：降低銀行風險、增強商業銀行競爭力、降低成本等等，但是實行混業經營也帶來了金融監管的難度加大。 -
Discussion on the prerequisite of mixed business operation in china ' s financial undertakings
企業改革要重視人力資本的投資與回報 -
At last, taking above analyses into account, the author thinks that it is imperative to establish modern commercial banks " institution with the core of modern property rights " institution. at the same time, the author puts forward a series of measures for controlling institution risk as follows : firstly, establish modern property rights " institution and improve legal entity governance structure ; secondly, establish financial controlling corporation and carry out mixed business operation ; thirdly, innovate commercial banks " supervision institution, establishing mixed business supervision model with the characteristics of functional supervision ; finally, perfect social credit system in order to strengthen construction of external environment of commercial banks " institution
文章接著回顧了我國商業銀行制度創新的歷程，概括了當前我國商業銀行制度風險的特徵與成因，最後結合上文分析的結果，得出了我國商業銀行制度創新的方向，那就是建立以現代產權制度為核心的現代商業銀行制度，並且提出了控制制度風險的措施，即深化制度創新：一是建立現代產權制度，完善法人治理結構；二是建立金融控股公司，實行混業經營；三是改革監管制度，建立以功能型監管為特徵的混業監管模式；四是加強銀行制度的外部環境建設，建立健全社會信用制度。 -
Therefore, t hrough u se o f t he e xperience o f w estern c ountries a nd analysis o f o ur present situation, this paper points out that the model of financial holding company of mixed business operation is suitable to china ' s reality, and suggests that china ' s financial industry should take the strategy of working towards the mixed operation system, and to make the related reform on financial supervision
因此，本文在借鑒西方國家金融業經營體制變遷的國際經驗和對我國現實情況進行研究的基礎上，認為金融控股公司模式是適合我國國情的混業經營模式，提出了我國金融業走向混業經營體制的總體戰略，主張以「兩梯次，三步走過渡」的戰略安排向混業經營體制過渡，同時進行相應的金融監管改革。
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