universal banking 中文意思是什麼
universal banking
解釋
全能銀行制度-
But to carry out the universal banking demands several preconditions. this paper analyzes the present circumstances in china, and makes an conclusion that separated - operating is the actual choice for our country. at last, the paper discusses the reforms to be implemented
本文通過對我國當前實際情況（銀行及金融環境）的分析，認為尚不具備混業經營的前提條件，分業經營仍是我國的現實選擇，只能逐步漸進地實行混業經營。 -
On the one hand, we should realize the rationality of this adverse current selection against world backgrounds, on the other hand, we must recognize the " inefficacy " of the segregation system. in the long - term, the universal banking system is our financial direction
我們一方面要意識到這種逆潮流選擇對於我國金融業現狀的合理性，另一方面，更要充分認識到這種制度安排的「無效性」 ，並且就長遠來看，混業經營才是我國金融業發展的方向。 -
On the basis of inside and outside terms, we can achieve the transition to the universal banking from the sample to the whole. the thesis also raises a tentative reform idea of financial supervision system and some constructive suggestions on the supervision of financial holding company
在具備了內外條件的基礎上，對商業銀行採取由點到面逐步推進的方式實現向全能銀行的過渡，相應地對目前的金融監管體制提出了初步改革的設想，並著重對金融控股公司的監管問題提出富有建設性的意見。 -
First of all, this chapter states the significance to china ' s financial industry of progressing into universal banking through analysis on the various requirements by the development of china ' s financial industry. furthermore, it analyzes the advantageous environments and conditions developing universal banking. given the statement above, this chapter begins to discuss the development of universal banking in china and its system arrangement
首先，通過對我國金融業發展內在要求、經濟發展對金融市場的功能要求以及我國金融業迎接國際化發展和競爭需要三個方面的分析，論述了我國金融業逐步向混業經營體制發展的意義和客觀要求，進而分析了實施混業改革的有利環境和條件，包括宏觀經濟和市場環境的改善、金融市場結構的良性變化、市場經營主體實力和自律性的提高、金融法制和監管條件的改善、政策空間的逐步放鬆以及金融業務合作和創新日益增強六個方面。 -
All the views for or against universal banking can be summarized as different understandings of the comparative cost incurred by functional allocation
各種支持或反對混業經營的觀點，從根本上可以歸納為對兩種經營體制提供金融基本功能過程中的比較成本的不同理解。 -
Comparative advantages of universal banking include economies of scope and risk diversification ; comparative disadvantages include risk contagion and conflicts of interest
混業經營體制的比較成本優勢在於范圍經濟效應和風險分散效應，比較成本劣勢在於利益沖突和風險傳遞。 -
As china speeds up the steps of entering wto, the universal banking mechanism is an inevitable developing tendency. with regard to the revealed problems, in my point of view, we should take actions to study the possibility of the co - operation among different supervising institutions, and improve our comprehensive supervising abilities. moreover, we should also speed up the legislative construction in the field of financial supervision, and the construction of modern financial enterprise mechanism and integrated financial market
針對分業監管所面臨的問題，本文認為應採取的對策是積極探索銀行、證券、保險三個監管部門合作協調；提高素質和綜合監管水平：建立和完善金融業監管方面的法律法規；三大監管部門鼓勵金融機構在各個領域密切合作，加快現代金融企業制度的建設；建立健全統一的金融市場。 -
In order to improve the efficiency of regulation and adapt the challenge from entry into wto, universal banking and stock trading on line, our country ' s securities regulations must be reformed. so we should balance justice, efficiency and stability of regulation object ; emphasize the integration between institutional supervision and functional supervision ; deregulate market entry, business scope and trading commission and emphasize behavioral regulation, prudential regulation and protective regulation ; and improve governmental regulation, self - regulation and the co - ordination of international securities regulation
即在規制目標上要注重公平性、效率性和穩定性的權衡，在規制體制上要積極探索機構監管與功能監管相結合的途徑並加強各監管機構之間的協調，在規制內容上應在逐步放鬆對市場進入、業務范圍和傭金費率規制的同時，進一步強化證券業的行為規制、審慎性規制和保護性規制，在規制方式上要在完善政府外部監管的同時進一步加強行業自律管理和國際監管合作。 -
The american financial supervision system stepped again on the road of universal banking supervision
美國的金融監管制度又一次走上了混業監管的道路。 -
This paper tries to analyze the theoretical basis of universal banking from the aspect of finance efficiency
上述分析為混業經營的分析提供了理論鋪墊。 -
But the bank ' s three specialist businesses are powerful in their own right, and focusing on them is better than chasing the spectre of universal banking
但瑞士信託的三大專門行業在他們各自領域中威力無窮，將焦點集中在它們身上比追逐混業經營的垂青好很多。 -
Part one : it comprises the content from chapter 1 to 2. the focus is introducing and researching two kinds of financial management system : business segregation and universal banking system
第一部分包括第一章和第二章內容，著重介紹和研究金融業分業與混業經營體制。 -
The main point of the paper is to illustrate that thinking about segregating banking system or universal banking system of our coutry " finance under the change of international banking industry and wto is coming to china
本文主要闡述的是在我國加入wto和全球經濟一體化的形勢下，對我國金融業實行分業、混業經營的思考。 -
At the end of the 20th century, the financial universal banking system sprang up in the international finance. but china began to execute the segregation system in 1993, and this financial arrangement is still our practical and effective selection for a period of the time
20世紀末，金融混業經營在世界范圍內興起，而我國1993年開始實行分業經營，並且就目前一段時間內，這種金融經營制度安排還是我國現實的、有效的一種選擇。 -
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
本文力圖運用制度創新理論，結合銀行理論搭建一個初步的銀行制度創新理論框架，以此揭示西方全能銀行產生、發展的規律，為我國銀行制度的改革創新和全能銀行的發展提供理論依據。 -
Secondly, it analyzes the causes that led to the business segregation at the first half of the 20l century, probes the pushing forces behind the global trend of universal banking, summarizes the regularity and developing current. thirdly, the chapter 2 compares the business segregation and universal banking system from different angles. thorough the comparison i hope to give a comprehensive and objective awareness with two systems
開篇首先界定了「分業經營」與「混業經營」兩個概念，指出了分業經營的相對性；其次，探討了世界金融體制的演變過程，分析了世界金融經營體制「兩次轉變」的歷史背景和原因，總結了其中的規律和發展的趨勢；再次，在第二章里，從各種不同的角度對分業與混業經營體制進行比較，以求對兩種經營體制有一個全面和客觀的認識。 -
Thirdly, the paper anlayzes the condition in china at the moment and presents some major problems or abstuction about universal banking system, such as : banking law and policy, banking controlling itself, marketing of banking and etc finally, is the most important, the paper propund the proposals for building up the universal banking system in china, at the same time, give some things which will be prepared before the universal banking system coming to. paper also presents the importance about the reform of the banking supervisonthe supervisory focus will be shifted from separating supervision to unified supervision, and propund some opinions on china ' own characteristics
第二部分，具體分析我國實行混業經營在市場體制、立法、監管等方面存在的障礙，以及國有商業銀行的產權結構對實行混業經營的影響。第四部分，分析我國實行混業經營的思路。具體給出我國混業經營的模式，實行混業經營目前應做好的幾項準備工作和配套的改革，以及對目前監管體制的看法與實行混業監管的建議。 -
Since 1990, with financial globalization and liberalization, international monetary industry have rapidly developed, especially in the western developed countries, in order to promote competition 、 reduce trade costs 、 strengthen ability of making profit, main commercial banks in many countries have adopted the pattern of mixed operation. it is in no doubt that germany universal banking system as the successful mode of mixed operation is the important research topic of oversea and domestic scholars
本文介紹了混業經營與全能銀行制度的涵義和內容，闡述了混業經營的理論基礎及全能銀行的類型，分析了德國全能銀行制度的形成和發展過程，說明了德國全能銀行制度的特點和主要內容，剖析了德國全能銀行制度的風險，指出德國的金融監管制度是全能銀行成功運作的根本。 -
It explains the working mechanism of universal banking to improve finance efficiency from three levels. the commercial banks in china, especial the state - owed ones, do n ' t wok well. the system of universal banking can help improve the situation
接著分析了我國銀行業效率低下、處境困難的發展狀況，而混業經營能夠促進銀行的金融創新，為商業銀行的發展提供良好的制度環境，從而提高金融效率，促進經濟增長。 -
In pace with the development of china banking, the hardware of commercial banks are modernized and a great deal of highly qualified professional are collected, thus created favorable conditions to the china banking to adopting the universal - banking system. the essential condition of universal - banking system is that the central bank should take effective regulation, and the banking also should take effective inner - control system to reduce the risks that would be produced by adopting the universal - banking system. these are key issues in the china banking
我國銀行業現階段採取混業經營模式所面臨的兩大問題：第一個問題是我國央行金融監管手段單一、落後：現階段央行主要採用現場稽核與手工操作方式進行監管，採用現場監管難以對銀行整個經營狀況作出客觀評價；非現場監管沒有形成統一、完整、健全的體系；現階段央行實行的金融電子化監管也有很大的局限性，而且目前央行的監管基本上只是事後監管。
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