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如何让金融业综合经营远离风险?这些经验值得借鉴

来源: 南方日报网络版     时间: 2018年10月21日 19:14:05
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意彩娱乐官网注册微zxn8009信誉平台官方,招龙虎和代理注册实力招商主管Q扣99277339,永久注册网址www.yicai269.com时时彩龙虎和,意彩彩票代理,意彩官网,意彩平台注册,意彩乐官网,意彩娱乐官方网站如何让金融业综合经营远离风险?这些经验值得借鉴

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(原)(标)(题)(:如)(何)(让)(金)(融)(业)(综)(合)(经)(营)(远)(离)(风)(险)(?这)(些)(经)(验)(值)(得)(借)(鉴)(
作)(者)(董)(希)(淼)((恒)(丰)(银)(行)(研)(究)(院)(执)(行)(院)(长)(、中)(新)(经)(纬)(特)(约)(专)(家)()
2月)(14日)(,央)(行)(在)(《2017年)(第)(四)(季)(度)(中)(国)(货)(币)(政)(策)(执)(行)(报)(告)(》中)(强)(调)(,继)(续)(推)(动)(出)(台)(金)(融)(控)(股)(公)(司)(监)(管)(规)(则)(。此)(前)(,银)(监)(会)(在)(2018年)(工)(作)(会)(议)(上)(提)(出)(,“推)(动)(加)(快)(出)(台)(金)(融)(控)(股)(公)(司)(监)(管)(办)(法)(”。我)(国)(金)(融)(业)(长)(期)(以)(来)(实)(施)(分)(业)(监)(管)(,规)(范)(发)(展)(金)(融)(控)(股)(公)(司)(值)(得)(关)(注)(。更)(深)(层)(次)(的)(问)(题)(是)(,面)(对)(金)(融)(业)(综)(合)(经)(营)(的)(趋)(势)(,如)(何)(进)(一)(步)(加)(强)(对)(综)(合)(经)(营)(的)(监)(管)(。
综)(合)(经)(营)(是)(国)(内)(外)(金)(融)(业)(发)(展)(的)(重)(要)(特)(征)(和)(趋)(势)(。国)(际)(上)(有)(两)(种)(较)(为)(成)(熟)(的)(综)(合)(经)(营)(模)(式)(,即)(以)(欧)(洲)(为)(代)(表)(的)(全)(能)(银)(行)(模)(式)(和)(以)(美)(国)(为)(代)(表)(的)(金)(融)(控)(股)(集)(团)(模)(式)(。在)(我)(国)(,2006年)(“十)(一)(五)(”和)(2011年)(“十)(二)(五)(”规)(划)(相)(继)(提)(出)(稳)(步)(和)(积)(极)(稳)(妥)(推)(进)(金)(融)(业)(综)(合)(经)(营)(试)(点)(以)(来)(,金)(融)(业)(综)(合)(经)(营)(步)(伐)(明)(显)(加)(快)(。综)(合)(经)(营)(充)(分)(发)(挥)(金)(融)(各)(领)(域)(之)(间)(的)(规)(模)(经)(济)(、范)(围)(经)(济)(和)(协)(同)(效)(应)(,使)(金)(融)(体)(系)(和)(金)(融)(机)(构)(更)(有)(效)(率)(,更)(好)(地)(为)(实)(体)(经)(济)(提)(供)(服)(务)(,满)(足)(企)(业)(和)(个)(人)(综)(合)(化)(金)(融)(需)(求)(。对)(金)(融)(机)(构)(自)(身)(而)(言)(,综)(合)(经)(营)(是)(获)(取)(多)(元)(化)(收)(入)(、提)(升)(竞)(争)(能)(力)(的)(必)(要)(手)(段)(,也)(有)(助)(于)(金)(融)(机)(构)(分)(散)(经)(营)(进)(而)(分)(散)(风)(险)(。
但)(是)(,不)(少)(人)(对)(金)(融)(业)(综)(合)(经)(营)(表)(示)(担)(忧)(,认)(为)(它)(容)(易)(积)(聚)(金)(融)(风)(险)(,从)(而)(危)(及)(金)(融)(体)(系)(稳)(定)(,甚)(至)(引)(发)(金)(融)(危)(机)(。1929年)(开)(始)(的)(世)(界)(经)(济)(大)(萧)(条)(和)(2008年)(的)(全)(球)(金)(融)(危)(机)(,往)(往)(被)(作)(为)(金)(融)(业)(综)(合)(经)(营)(影)(响)(金)(融)(稳)(定)(的)(例)(证)(。然)(而)(,研)(究)(表)(明)(,金)(融)(业)(综)(合)(经)(营)(并)(非)(金)(融)(风)(险)(和)(金)(融)(危)(机)(的)(根)(源)(。美)(国)(在)(大)(萧)(条)(期)(间)(宣)(告)(破)(产)(的)(银)(行)(占)(比)(为)(26.3%,但)(207家)(从)(事)(证)(券)(业)(务)(的)(银)(行)(破)(产)(的)(只)(有)(15家)(,比)(例)(仅)(7.2%。而)(且)(这)(15家)(破)(产)(银)(行)(的)(证)(券)(投)(资)(,基)(本)(在)(总)(资)(产)(的)(10%以)(下)(。因)(此)(,认)(为)(综)(合)(经)(营)(是)(导)(致)(大)(萧)(条)(的)(主)(要)(原)(因)(,显)(然)(缺)(乏)(说)(服)(力)(。而)(关)(于)(综)(合)(经)(营)(是)(2008年)(金)(融)(危)(机)(主)(要)(原)(因)(的)(指)(责)(,更)(是)(一)(种)(误)(解)(。在)(2008年)(金)(融)(危)(机)(中)(倒)(下)(的)(金)(融)(机)(构)(如)(贝)(尔)(斯)(登)(、雷)(曼)(兄)(弟)(、华)(盛)(顿)(互)(惠)(银)(行)(等)(,都)(是)(单)(一)(的)(投)(资)(银)(行)(或)(商)(业)(银)(行)(。而)(且)(,正)(是)(因)(为)(1999年)(后)(美)(国)(允)(许)(银)(行)(综)(合)(经)(营)(,救)(援)(措)(施)(才)(得)(以)(迅)(速)(出)(台)(并)(实)(施)(,商)(业)(银)(行)(对)(破)(产)(投)(行)(的)(收)(购)((如)(摩)(根)(大)(通)(对)(贝)(尔)(斯)(登)(和)(美)(国)(银)(行)(对)(美)(林)(的)(收)(购)(),对)(金)(融)(体)(系)(稳)(定)(起)(到)(了)(重)(要)(作)(用)(。当)(然)(,随)(着)(金)(融)(机)(构)(综)(合)(化)(经)(营)(趋)(势)(的)(加)(剧)(、金)(融)(产)(品)(创)(新)(的)(丰)(富)(和)(金)(融)(科)(技)(手)(段)(的)(运)(用)(,金)(融)(风)(险)(更)(趋)(隐)(蔽)(性)(、复)(杂)(性)(和)(传)(染)(性)(。
因)(此)(,在)(研)(究)(和)(讨)(论)(我)(国)(金)(融)(体)(系)(业)(务)(模)(式)(时)(,我)(们)(要)(反)(对)(两)(种)(倾)(向)(:一)(是)(将)(金)(融)(风)(险)(集)(聚)(简)(单)(归)(咎)(于)(综)(合)(经)(营)(。如)(果)(不)(尊)(重)(市)(场)(规)(律)(,看)(不)(清)(发)(展)(趋)(势)(,机)(械)(地)(维)(持)(和)(强)(化)(分)(业)(经)(营)(,不)(但)(无)(助)(于)(防)(控)(风)(险)(,反)(而)(将)(可)(能)(导)(致)(金)(融)(风)(险)(异)(化)(和)(失)(控)(,并)(产)(生)(新)(的)(风)(险)(。二)(是)(无)(视)(综)(合)(经)(营)(对)(金)(融)(监)(管)(的)(挑)(战)(。近)(年)(来)(我)(国)(金)(融)(风)(险)(上)(升)(较)(快)(的)(原)(因)(之)(一)(是)(,面)(对)(金)(融)(业)(综)(合)(经)(营)(趋)(势)(,以)(“一)(行)(三)(会)(”为)(主)(要)(形)(式)(的)(分)(业)(监)(管)(体)(系)(并)(未)(完)(全)(适)(应)(,一)(定)(程)(度)(上)(存)(在)(监)(管)(漏)(洞)(和)(监)(管)(空)(白)(。比)(如)(,对)(未)(取)(得)(相)(关)(资)(质)(开)(展)(金)(融)(业)(务)(的)(互)(联)(网)(公)(司)(未)(进)(行)(有)(效)(监)(管)(,导)(致)(互)(联)(网)(金)(融)(风)(险)(蔓)(延)(。
与)(欧)(洲)(、美)(国)(等)(发)(达)(经)(济)(体)(金)(融)(业)(发)(展)(相)(似)(,随)(着)(经)(济)(全)(球)(化)(和)(金)(融)(业)(双)(向)(开)(放)(加)(快)(推)(进)(,利)(率)(和)(汇)(率)(市)(场)(化)(改)(革)(不)(断)(深)(入)(,我)(国)(大)(中)(型)(金)(融)(机)(构)(为)(增)(强)(自)(身)(竞)(争)(力)(,提)(高)(金)(融)(服)(务)(能)(力)(和)(效)(率)(,通)(过)(不)(断)(获)(取)(各)(类)(金)(融)(牌)(照)(等)(方)(式)(,加)(快)(了)(综)(合)(经)(营)(步)(伐)(。而)(金)(融)(创)(新)(的)(深)(入)(发)(展)(,使)(得)(银)(行)(、证)(券)(、保)(险)(、信)(托)(等)(业)(务)(的)(界)(限)(逐)(渐)(模)(糊)(。一)(些)(大)(型)(企)(业)(集)(团)(、互)(联)(网)(公)(司)(和)(地)(方)(政)(府)(,也)(在)(事)(实)(上)(逐)(步)(组)(建)(了)(金)(融)(控)(股)(集)(团)(。因)(此)(,下)(一)(步)(,应)(深)(入)(研)(究)(金)(融)(业)(综)(合)(经)(营)(的)(新)(情)(况)(、新)(变)(化)(,采)(取)(全)(方)(位)(措)(施)(,加)(强)(对)(综)(合)(经)(营)(的)(监)(管)(。
一)(是)(进)(一)(步)(完)(善)(金)(融)(监)(管)(体)(制)(。第)(五)(次)(全)(国)(金)(融)(工)(作)(会)(议)(强)(调)(,“要)(加)(强)(金)(融)(监)(管)(协)(调)(、补)(齐)(监)(管)(短)(板)(”。十)(九)(大)(报)(告)(提)(出)(,要)(“健)(全)(金)(融)(监)(管)(体)(系)(”。应)(在)(国)(务)(院)(金)(融)(稳)(定)(发)(展)(委)(员)(会)(的)(领)(导)(下)(,正)(视)(金)(融)(业)(综)(合)(经)(营)(趋)(势)(,加)(快)(推)(进)(和)(深)(化)(监)(管)(体)(制)(改)(革)(,强)(化)(监)(管)(统)(筹)(协)(调)(,实)(施)(综)(合)(监)(管)(和)(穿)(透)(式)(监)(管)(。要)(强)(化)(监)(管)(制)(度)(建)(设)(,补)(齐)(监)(管)(短)(板)(,强)(化)(薄)(弱)(环)(节)(,做)(到)(金)(融)(监)(管)(全)(覆)(盖)(、无)(死)(角)(。
二)(是)(对)(综)(合)(经)(营)(实)(施)(风)(险)(隔)(离)(。近)(年)(来)(,发)(达)(经)(济)(体)(虽)(未)(改)(变)(综)(合)(经)(营)(方)(向)(,但)(纷)(纷)(采)(取)(措)(施)(隔)(离)(风)(险)(。如)(美)(国)(的)(“沃)(克)(尔)(规)(则)(”,将)(自)(营)(交)(易)(等)(高)(风)(险)(业)(务)(隔)(离)(在)(传)(统)(银)(行)(体)(系)(之)(外)(,防)(止)(风)(险)(交)(叉)(传)(染)(;英)(国)(的)(“维)(克)(斯)(规)(则)(”,将)(零)(售)(银)(行)(业)(务)(与)(其)(他)(风)(险)(业)(务)(实)(施)(隔)(离)(;欧)(盟)(的)(“利)(卡)(宁)(报)(告)(”,要)(求)(大)(型)(银)(行)(将)(可)(能)(影)(响)(金)(融)(稳)(定)(的)(交)(易)(资)(产)(划)(入)(独)(立)(法)(人)(实)(体)(。这)(些)(防)(火)(墙)(机)(制)(值)(得)(我)(们)(借)(鉴)(。
三)(是)(合)(理)(选)(择)(综)(合)(经)(营)(形)(式)(。金)(融)(控)(股)(集)(团)(是)(推)(进)(金)(融)(业)(综)(合)(经)(营)(的)(基)(本)(组)(织)(形)(式)(。应)(及)(时)(总)(结)(经)(验)(教)(训)(,尽)(快)(出)(台)(相)(关)(监)(管)(办)(法)(,按)(照)(集)(团)(层)(面)(综)(合)(经)(营)(、控)(股)(公)(司)(管)(理)(股)(权)(、子)(公)(司)(分)(业)(经)(营)(的)(模)(式)(,设)(计)(并)(完)(善)(我)(国)(金)(融)(机)(构)(发)(展)(金)(融)(控)(股)(集)(团)(的)(组)(织)(框)(架)(,明)(确)(市)(场)(准)(入)(和)(资)(本)(充)(足)(等)(要)(求)(,完)(善)(公)(司)(治)(理)(,减)(少)(不)(规)(范)(的)(关)(联)(交)(易)(,落)(实)(风)(险)(管)(理)(主)(体)(责)(任)(,引)(导)(金)(融)(控)(股)(公)(司)(健)(康)(可)(持)(续)(发)(展)(。
具)(备)(能)(力)(的)(金)(融)(机)(构)(应)(在)(防)(控)(风)(险)(的)(前)(提)(下)(,积)(极)(稳)(妥)(推)(进)(综)(合)(经)(营)(,加)(快)(探)(索)(良)(性)(的)(金)(融)(创)(新)(,成)(为)(金)(融)(综)(合)(解)(决)(方)(案)(提)(供)(商)(,为)(客)(户)(提)(供)(“一)(站)(式)(”金)(融)(服)(务)(,不)(断)(提)(升)(服)(务)(实)(体)(经)(济)(和)(金)(融)(消)(费)(者)(的)(能)(力)(和)(效)(率)(。(中)(新)(经)(纬)(APP)
【专)(家)(简)(介)(】董)(希)(淼)(,恒)(丰)(银)(行)(研)(究)(院)(执)(行)(院)(长)(、中)(国)(人)(民)(大)(学)(重)(阳)(金)(融)(研)(究)(院)(高)(级)(研)(究)(员)(、国)(家)(金)(融)(与)(发)(展)(实)(验)(室)(特)(聘)(研)(究)(员)(。
中)(新)(经)(纬)(版)(权)(所)(有)(,未)(经)(书)(面)(授)(权)(,任)(何)(单)(位)(及)(个)(人)(不)(得)(转)(载)(、摘)(编)(或)(以)(其)(它)(方)(式)(使)(用)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(责)(任)(编)(辑)(:
声)(明)(:该)(文)(观)(点)(仅)(代)(表)(作)(者)(本)(人)(,搜)(狐)(号)(系)(信)(息)(发)(布)(平)(台)(,搜)(狐)(仅)(提)(供)(信)(息)(存)(储)(空)(间)(服)(务)(。
阅)(读)(()
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