开放经济下国有商业银行风险的积累、冲击和防范(I)

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1、苏州大学博士学位论文开放经济下国有商业银行风险的积累、冲击和防范姓名：常巍申请学位级别：博士专业：金融学指导教师：万解秋20050101中文提要开放经济下国有商业银行风险的积累、冲击和防范有商业银行目前已经积聚了大量的金融风险，并且正遭受来自外部和内部因素的各种冲击，但是结合我国改革的渐进式历程和已经实施或正准备实施的各项改革措施来分析，只要对商业银行从制度上继续按照市场化的思路进行改造，并不断加大市场配套环境和金融安全网的建设力度，我国不仅有能力保证银行体系的稳定性，而且可以以健康的姿态迎接各种因素的挑战和冲击。关键词：开放经济国有银行风险积累冲击防范n作者：常巍指导

2、教师：万解秋教授RiskAccumulation，ShockandGuardingofState—ownedCommercialBanksinOpenEconomyAbstractChina'scommercialbanksarenowinaspecialhistoricperiodoftheopen·upandreform．Asadevelopingcountry,Chinaisnowbeingfacedwiththefurtheropen’upoftheeconomyandfinance，andbusywithreformingthecommercialbanksa

3、ndthemarketsystem．Thestate-ownedbankswererootedintheplanningeconomicsystem，buttheyshouldplungeintothefiercecompetitionwiththeforeignbanks．Intheprocessofthefasttransition，theriskaccumulatedintheoldsystembecomesmoreandmoreserious，whichcannotbesmoothedoutinashortperiod．Meanwhile，thestate-ow

4、nedbanksshouldfacetheshocksandthechallengesfromtheoutside．Intheuncertaintybroughtbythemarket—orientedreformandtheshockscausedbytheexternalenvironmentchanges，therearehigherrequirementsforbanks’stabilityanditsabilitytodealwiththeshocks．HowtOconsidertheprobabilityoftheoutbreakofthebanks’ris

5、ksandshocks，andsolvetheproblemsaccordinglytomakethecommercialbankssurvivetheshocksandretaintheircompetitiveness?Ithasbecomeasubjectofimportanttheoreticalandpracticalvalue．Hereliestheobjectofthispaper．Inthispaper,theauthorhasadoptedthefollowingmethods．First，theempiricalmethodandnormmiveme

6、thodhavebeenusedtogether．InthestudyofChina’Sbanks’riskaccumulation，competitiveness，andthecomparisonbetweenthedomesticbanksandtheforeignbanks，theauthorhasdonealottocollect，dealwithandanalyzetherelevantdatatOkeeDthedatacompleteandtruthful．Thenormativemethodhasbeendoneonthebasisoftheempiric

7、alanalysis．SomecasestudiesoftheSoutheastAsianfinancialcrisisandtheMexicanfinancialcrisishavebeendonetofindoutthecommonnessofthebankcrisistoprovidesomesuggestionsforChina’Sbanksreform．Second，thehistoricalanalysisandthepracticalanalysishavebeenadoptedinthispaper．Thehistoric