目录1.导论······························································································11.1选题背景与意义·······································································11.1.1选题背景········································································11.1.2选题意义········································································21.2研究对象概念界定····································································31.2.1多元化经营·····································································31.2.2范围经济········································································51.3文献综述················································································51.3.1国外研究现状··································································61.3.2国内研究现状··································································81.4本文的研究思路·····································································101.5本文的创新与不足··································································112.我国商业银行多元化经营的发展现状···················································132.1我国商业银行多元化经营的发展阶段··········································132.1.1商业银行相对独立与有限混业经营时期（1979年-1993年）·····132.1.2严格分业经营体制建立时期（1993年-2001年）····················142.1.3分业经营向现代多元化经营体制过渡时期（2001年至今）······152.2我国商业银行多元化经营选择的动因··········································162.2.1市场背景的推动力··························································162.2.2金融创新的促进力··························································162.2.3自身发展的需求力··························································162.3当前我国商业银行多元化经营的状况··········································173.多元化经营对我国商业银行风险影响的理论分析····································223.1理论依据的选择——协同效应及其风险异化理论···························223.2多元化经营对商业银行风险影响的具体表现·...
