文档介绍：论商业银行发展的战略方向大整合,大购并
内容概要
21世纪是知识经济与新金融时代,国际银行业最为引人注目的特征是银行业并购事件层出不穷,数量之多,斥资之巨,,并涌现出了一大批国际银行业的"超级巨无霸",实行银行,证券,保险,信托混合经营,反映了现代商业银行的业务逐步向全能化,国际化,规模化,,其整合和购并的动因和目标是多元化,:进行国有独资商业银行的内部整合;进行国有独资商业银行的之间的并购;进行国有独资商业银行与股份制银行之间的并购;进行中国银行业对外资银行的并购;进行银行业对非银行金融机构的并购.
Abstract
The 21st century is granted as a knowledge-economy and innovation-finance era. The most spectacular feature in the international banking industry is M&A one after another among banks with a large scale and great quantity, hence resulting in the wave that swept the whole world and the appearance of super financial institutions. These institutions have not been restricted by banking operation area and separately management system, but can engage in the field of banking, security, insurance and trust, etc, which reflects the trend that the business of mercial banks have internationalized and synthesized and technically innovated. This article demonstrated mercial banks as a modern financial enterprise enterprise aimed at versatility through merger and acquisition. This process that M&A will be essful requires a suitable environment. Furthermore, it also give some suggestion about the progress for M&A among banks in china, which is as following; the integration inside the state-mercial banks; the merging between the state-mercial banks; the merging between state-mercial banks and joint-stock banks; merging foreign banks into Chinese banks and merging non-bank financial institution into banks.
论文提纲
一,国内外银行业的购并概况介绍
(一)商业银行业发展的全能化
(二)商业银行业发展的规模化
(三)商业银行业发展的国际化
(四)商业银行业发展的高新技术化
(五)银行业并购的外部动因
(六)我国银行业的现状
二,商业银行整合和购并的动因,目标,基础
(一)商业银行整合和购并的动因
1,扩大规模,抢占市场,获取竞争优势的需要
2,
3,
(二)商业银行整合和购并的目标
1,拓展商业银行业务实行多元化经营
2,获取高新技术,提高国际竞争力
3,实现高效率扩张,提升实力规模
(三)商业银行整合和购并的基础
三,我国银行业并购的做法,问题及建议
(一)银行购并的主要做法
1,合并
2,现金购买式并购
3,股权式并购
4,混合证券式并购
(二)我国商业银行目前存在的主要问题
1,银行资产质量和自有资本率低
2,国有商业银行产权结构单一,银行业效率低下