文档介绍：民族地区金融混业经营跨越式发展研究——以湘鄂渝黔边区为例 II大部分地区属于民族自治地区,国家对边区实行民族优惠政策,为边区的金融制度创新提供了政策可能。再次,边区属于武陵山区,自然资源丰富,特色农业和旅游业发展潜力巨大。尽管当地各级政府对区域经济发展制定了许多政策和计划,但实际效果并不理想。关键原因在于边区缺少资金、人才和技术。要解决这一发展瓶颈,关键是从金融业着手,对整个区域的金融体系进行大胆创新。本文建议由中央政府组建一家综合经营型的区域性政策银行主导整个区域的金融创新是解决这一问题的有效手段。通过区域外融资为区域发展提供源源不断地资金支持,通过区域内的企业投资直接促进当地主导产业的快速发展,通过银企联合直接监督和指导控股参股企业完成现代企业治理改造和实现政府经济发展政策目标,最终使区域摆脱“贫困陷阱”,实现区域经济的跨越式发展。本文第一章导论提出了本文的研究目的和研究意义。第二章主要介绍混业经营的国际化大趋势和代表模式,中国的现实选择。第二章主要是补充混业经营的背景知识,提出自己的观点,为文章的展开提供铺垫。第三章重点介绍民族地区率先实行混业经营的理论基础,通过需求因素分析和供给因素分析解释民族地区实行金融创新的内在动力和现实意义。该章回答了民族地区为何能进行混业经营的跨越式发展和民族地区为什么必须进行混业经营的创新才能实现地区的跨越式发展这两个问题。第三章是全文的理论核心。第四章以湘鄂渝黔边区作实践分析。通过给出具体的发展建议并逐条分析,为边区的经济发展提供了一条全新的跨越式发展思路。该章回答了民族地区混业经营是否现实可行和混业经营如何推动民族地区的经济发展这两个问题。第四章是全文的实践核心。关键词:全能银行政策性银行区域经济中南民族大学硕士学位论文 IIIAbstract The core of modern economy are finance, Financing and allocation of funds is through anizations to finish. From a global perspective, the financial industry operate Mixed Management from a separate operation, which has gradually e the main trend of development. Mixed operation mode is mainly divided into the universal banking model as Germany and financial holding pattern as the United States. Prevailing opinion of the Academia are that the financial mixed operation in China has e an irresistible trend , however, by restricting the domestic financial environment, the road of Mixed operation should be gradual, and Mixed operation mode should be to encourage the development of financial holding pattern. Facing the tremendous pressure of international competition, the objective needs of domestic financial enterprises at the operation mode, and the objective conditions of domestic financial sector condition,from the overall point of view, these conclusions is more in line with the actual situation in China. However, China is a huge country and has huge regional differences in economic environment. From the part point of view, to operate financial holding model is not the best choice at all economic regi