摘要
银行经营制度可分为分业经营和混业经营两种。混业经营是当今银行业的发展趋势之一,它不仅仅是形式上的混业,其实质是使市场资源配置效率得到提高,但人们担心混业经营所产生的金融风险。我国银行业现阶段是分业经营的国家之一,现正处于加入WTO后金融市场并未完全放开之前,用博弈论的思想分析得到以下结论:我国应采取混业经营的模式,并结合我国目前脆弱金融体系的现状,走“渐中趋快”的道路;在分业向混业经营转变过程中,就监管方面提出了两点建议。
The system of bank management is divided into exclusive and comprehensive management.The comprehensive management is one of the trends of bank development,which improves efficiency of the allocation of recourse in essence besides in surface while risk caused by comprehensive management is attended.China is one of the exclusive management of countries and now is after entry of WTO and before the finance market is opened completely.According to the game theory,we can conclude that:the model of comprehensive management should be fulfilled in our county.Due to the weak finance system,the way of'being quicker in slowing'should be considered,and during the transfer from exclusive management to comprehensive management,the author put for-ward two pieces of advice in inspection.
出处
《价值工程》
2003年第z1期105-109,共5页
Value Engineering
关键词
分业经营
混业经营
利弊分析
博弈论
exclusive management
comprehensive management
analysis of advantage and disadvantage
game theory
