Abstract摘要
本文首先概述了德国全能银行的发展历程。德国银行业的历史可以追溯到19世纪。世界银行提供全方位金融服务的出现在十九世纪早期。在1929至1933金融危机期间，监管机构对银行施加限制，令全能银行的发展受挫。为了控制金融风险，颁布了一些禁止银行经营证券业务的规定，但普遍的银行体系在不利的情况下得以幸存，并成功地控制了德国银行业。其次，本文分离银行制度的特点和全能银行制度，并分析了全能银行发展的可行性和必要性在中国。在世界上的全能银行的发展为中国提供了宝贵的经验。因此，在3章中，我们决定采用定性研究的方法，对中国银行体系的可行性，在4章中，在中国的全能银行可能将提出的模型。最后，在结论部分，我们将总结一下我们推导分析，并提供一些建议，推荐部分关于中国银行业的监管问题。
This paper systematically investigates the development history of universal banking system in western countries, especially in Germany, compares the advantages and disadvantages of separate banking system and universal banking system, and analyzes the feasibility of universal banking in China by studying the background and current situation of banking industry in China.
First, this paper provides an overview of the development history of universal banking in Germany. The history of the German banking industry can be traced back to 19 century. Universal banks provide the full range of financial services appeared in the early 19thcentury. During the period of the financial crisis between 1929 and 1933, development of the universal banking was frustrated for the supervising authority imposed restrictions on the banks. In order to control financial risks, some regulations were issued to prohibit banks from dealing with securities business.However, universal banking system survived during adverse situations, and successfully dominated German banking industry. Secondly, this paper demonstrates characteristics of separate banking system and universal banking system, and analyzes the necessity and feasibility of universal banking development in China. The development of universal banking in the world has provided valuable experience for China.Therefore, in Chapter 3, we decide to use qualitative research method to analyze the feasibility of universal banking system in China, and in Chapter 4, the possible model of universal banks in China will be proposed. Finally, in conclusion section, we will summarize what we have deduced from analysis, and provide some suggestions in recommendation part regarding the supervision problem of banking sector in China.
Content目录
Chapter1. Introduction 2
Chapter2. Review of Literature 5
2.1 The characteristics of the separate banking 5
2.2 The characteristics of the universal banking 5
2.3 The necessity of the universal banking development in China 7
2.3.1 The motives for universal development of commercial banks in China 7
2.3.2 Universal management is the inexorable choice for the bank of China 9
Chapter3 Research Design and Methodology 12
3.1 Research Design 12
3.2 Methodology 12
Chapter4 Discussion 13
4.1 The development of universal banking system in America 13
4.1.1 The weakened Glass-Steagall Act 13
4.1.2 The passage of Gramm-Leach-Bliley Act 14
4.1.3 The implementation of Financial Services Modernization Act 14
4.2 The development of universal banking system in Western Europe 15
4.2.1 Universal banking system in Germany 16
4.3 Feasibility analysis on universal banking system in China 17
4.3.1 The practice of universal operation in banking industry in China 17
4.3.2 The constraints for the development of universal banking system in China 18
4.4 The optimal model for universal banking development in China 19
4.4.1 The optimal model for universal banking development in China: Financial holding universal bank 19
4.4.2 The feasible organizational forms of universal banks in China 20
4.4.3 The effectiveness and risks of the choice of financial holding universal bank in China 24
Chapter5 Conclusion and Recommendation 24
5.1 Overall Conclusion 24
5.2 The history of universal banks in Germany 25
5.3 Characteristics of different banking systems 25
5.4 The feasibility of universal banking system in China 26
5.5 Recommendation 26
REFERENCE: 27
5.5 Recommendation
