全球视角下的金融混业现象：多维度透析

目录
第一篇 深度探究篇
第一章 金融分业、混业现象的分析视角
第一节 金融体系及其本质
第二节 金融中介与金融市场关系：理论与现实
第三节 金融中介是通过比较成本确定自身的竞争优势
第四节 现实的金融制度选择是一个社会经济学的问题
第五节 金融分业、混业分析应注意的问题
第二章 金融机构多元化与专业化行为分析
第一节 企业的战略定位与战略行为：一般原理
第二节 金融机构的经营战略
第三节 金融业的交易费用：专业化与多元化的比较
第四节 金融业务多元化与专业化决策：初步分析
第五节 盈利率差异与行业动态周期的影响
第六节 施蒂格勒命题：对银行多元化经营的一种解释
第七节 资产专用性的影响
第八节 引入消费者行为
第三章 金融组织结构多样性与治理机制
第一节 金融组织结构的多样性
第二节 金融组织结构演进的两种趋势
第三节 花旗银行与社区银行：航母与小船的对话
第四节 金融业务互动的一般规律
第五节 金融治理机制对金融结构的影响
第四章 分工深化进程中的金融重构：功能观点
第一节 对全球金融体系结构性变化的一个理论解释框架
第二节 市场分工深化与金融机构业务范围可能性边界的扩展
第三节 “功能观点”及其对金融结构新变化的解释
第四节 金融功能的竞争性配置与金融分工格局的改变
第五节 金融重构过程中的金融机构经营策略
第六节 对金融分业、混业经营的重新理解
第五章 金融分业与混业政策选择的制度分析
第一节 金融管制和政府意志对金融活动的影响
第二节 金融管制的成本与政策效用分析
第三节 集体行动下的金融政策选择
第四节 影响市场意愿与政治偏好的一些因素
第六章 金融制度演进的历史分析
第一节 金融分业—混业循环演进的历史观
第二节 循环演进的深层动因
第三节 美国金融制度演进的历史分析
第四节 制度变革与转轨的风险
第二篇 现实影响篇
第七章 金融混业经营：全球的现状
第一节 金融交易结构的变化
第二节 银行与证券业的竞争与融合
第三节 银行业与保险业的融合
第四节 保险与证券的融合及其带来的影响
第五节 信托业的分业经营和混业经营问题
第六节 金融企业与非金融企业的业务交叉问题
第七节 不同金融混业经营模式的绩效比较
第八章 全能银行、金融控股公司、银行——母公司模式的比较
第一节 德国全能银行制度的基本特征
第二节 新立法构架下的美国金融控股公司
第三节 英国银行——母公司组织模式的基本构架
第四节 三种金融混业模式的比较
第九章 混业经营环境下金融监管面临的挑战
第一节 交易结构与监管结构的协调
第二节 监管套利、管制松懈与重新管制
第三节 金融集团化经营的风险监控
第四节 国际监管制度的合作和协调
第五节 对存款保险和最后贷款人机制的影响
第六节 金融混业经营与利益冲突问题
第十章 西方国家金融监管制度变革进程
第一节 金融监管制度重构的必要性
第二节 金融监管制度改革的历程、趋势与特点
第三节 部分国家的金融改革：20世纪90年代以前
第四节 部分国家的金融改革：20世纪90年代以来
第五节 几个值得思考的现实问题
第十一章 全球混业经营格局下金融安全的新课题
第一节 金融体系风险配置原理及当前策略
第二节 “先分散后集中”策略下的金融安全问题
第三节 银行问题依然是金融安全的核心
第四节 发展中国家及中国的金融安全问题
第三篇 国情分析篇
第十二章 中国金融发展中的组织战略
第一节 中国金融发展的特殊性
第二节 改革开放以来的金融组织战略评价
第三节 金融分化：我国金融混业经营的重要前提
第四节 金融组织新战略：宜大则大，宜小则小
第十三章 中国金融分业监管政策：回顾与评价
第一节 分业管制政策出台前的我国金融体制
第二节 我国金融分业管制政策出台的现实背景
第三节 我国金融分业管制政策的基本特征和历史作用
第四节 加入WTO对我国金融分业管制政策的挑战
第十四章 面向金融混业的转轨进程以及目标取向
第一节 我国金融体制结构的目标模式和过渡路径
第二节 稳步推进金融混业经营的实践
第三节 未来金融监管的结构安排
第四节 配套性条件和外部环境的改善
参考文献
Introduction
Part Ⅰ A Deep Analysis
Chapter 1 Mixed financial Operation and divided financial Operation
1．1 Financial system and its nature
1．2 Relationship between financial intermediate and financial market：theory and practice
1．3 Determination of the competitive advantage of financial intermediate through the comparison of costs
1．4 Selection of financial system as a social—economic question
1．5 Issues needing attention in the analysis of mixed financial operation and divided financial operation
Chapter 2 Diversification and specialization Of financial intermediates
2．1 Strategic positioning and strategic action of enterprise：general principles
2．2 Business strategy of financial institution
2．3 Transaction costs in financial industry：a comparison between diversification and specialization
2．4 Decision on the diversification and specialization in financial business：a preliminary analysis
2．5 Profit rate and the effect of industrial cycle
2．6 Stigler proposition：an explanation for diversification of banks
2．7 Role of asset specificity
2．8 Introduction of consumer behavior
Chapter 3 Diversity Of financial organizations and the Mechanism of Corporate Governance
3．1 Diversity of financial organizations
3．2 Two trends in evolution of financial organizations
3．3 Citibank and community bank：talk between aircraft carrier and boat
3．4 General principles in the interactions of financial business
3．5 Effects of financial governance mechanism on financial structure
Chapter 4 Financial restructure in the deepening of division of labor：a functional view
4．1 A theoretic explanation on the structural change of global financial system
4．2 Deepening of division of labor in market and the expansion of the business frontier of financial institutions
4．3 Functional view and its explanation on the change of financial structure
4．4 Competitive allocation of financial functions and the change of structure of division of business in financial market
4．5 Business strategy of financial institutions in financial restructure
4．6 New understanding about mixed financial operation and divided financial operation
Chapter 5 Institutional analysis on the policy selection Of mixed financial operation and divided financial operation
5．1 Financial regulation and the effect of government's will
5．2 Costs of financial regulation and cost-benefit analysis of policies
5．3 Selection of financial policy in Collective action
5．4 Factors influencing market's will and political preference
Chapter 6 Historical analysis on the evolution of financial system
6．1 Historical view of the evolutional cycle of Divided—mixed financial business
6．2 Deep mechanism behind the evolutional cycle
6．3 Historical analysis on the evolution of United States financial system
6．4 Risk in the system reform and transition
PartⅡ Influence on practice
Chapter 7 Mixed financial Opetation：global ptactice
7．1 Change of financial transaction structure
7．2 Competition and integration between bank industry and security industry
7．3 Integration of bank industry and insurance industry
7．4 Integration of insurance industry and security industry and its impact
7．5 Business overlap between financial enterprises and non-financial enterprises
7．6 Comparison among the performances of various mixed financial business modes
7．7 the Performance Comparison of Different Financial Mixed Operation Modles
Chapter 8 Comparison among universal bank model，financial holding company model and bank-parent company model
8．1 Basic characters of German universal bank system
8．2 American financial holding company under new legal framework
8．3 Basic framework of English bank-parent company system
8．4 Comparison among the three models
Chapter 9 Challenges to financial regulation in mixed business model
9．1 Coordination between transaction structure and regulation structure
9．2 Arbitrage and shirking in regulation and Re-regulation
9．3 Risk control in financial group operation
9．4 Cooperation and coordination in international regulation system
9．5 Impact on deposit insurance and lender-of-last-resort machanism
9．6 Mixed financial operation and conflict of interests
Chapter 10 Evolution Of financial regulation system in western countries
10．1 Necessity of restructure of financial regulation system
10．2 History，trend and characters of financial regulation reform
10．3 Financial reform in selected countries：before 1990
10．4 Financial reform in selected countries：after 1990
10．5 Some practical questions worth consideration
Chapter 11 New topics about financial system security in the global mixed financial business situation
11．1 Principle of risk allocation in financial system and current strategias
11．2 The financial security under the tactics of diversified operation and concentrated regulation
11．3 Banks are still in the center of financial system security
11．4 Financial system security in developing countries and China
Part Ⅲ Analysis of national condition
Chapter 12 Strategy of structure in China's financial development
12. 1 Specialty of China's financial development
12.2 An assessment of the strategies of structure since reform and opening up
12.3 Financial differentiation: an important precondition for mixed financial operation in China
12.4 New strategy of financial structure: be big or small depending on which is suitable
Chapter 13 China's divided financial regulation policy: review and assessment
13. 1 China's financial system before divided financial regulation
13.2 Practical background for the formation of divided financial regulation
13.3 Basic characters and historical role of China's divided financial regulation
13. 4 Challenges of accession to WTO to China's divided financial regulation
Chapter 14 Transition with mixed financial business as the goal
14. 1 Goal and transition path of the structural reform of financial system
14. 2 Promoting steadily the practices of mixed financial business
14.3 Future structure of financial regulation
14.4 Improvement of related condition and external environment
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