商业银行并购问题研究摘要二十世纪九十年代以来,经济全球化、金融自由化成为不可逆转的趋势。西方发达国家逐步放松金融监管,银行业并购浪潮席卷全球,对世界经济产生深远的影响。中国在入世谈判中承诺5年内将全面开放国内金融市场,随着国际超大银行的涌入,国内商业银行必将面临强大的挑战。银行并购对于我国银行业加快金融体制改革、优化资源配置、促进经济发展具有重要的意义。本文结合国内外银行并购相关理论进行分析,针对我国商业银行并购中存在的问题,提出了我国商业银行并购的思路和对策,提出了加快我国商业银行产权制度改革,完善资产负债比例管理,推动银行全能化经营,大力发展和完善资本市场,强化银行战略性并购动机以及加强并购后整合等对策。【关键词】银行并购现状问题对策AbstractSincethe1990s,economicglobalizationandfinancialliberalizationbecomeanirreversibletrend.Westerndevelopedcountriesfinancialderegulationgradually,thewaveofbankingmergersandacquisitionsworldwide,far-reachingimpactontheworldeconomy.Chinapromisedinthenegotiationswillbefullyopenthedomesticfinancialmarketwithinfiveyears,withtheinfluxoflargeinternationalBanks,domesticcommercialBankswillfaceastrongchallenge.BankmergersandacquisitionstoacceleratethereformoffinancialsysteminChina'sbankingindustry,optimizetheallocationofresources,andpromoteeconomicdevelopmenthasthevitalsignificance.Analysisbasedonbankmergersandacquisitionsrelatedtheoryathomeandabroad,aimingattheproblemsinourcountrycommercialbankm&a,putsforwardthethinkingandcountermeasuresofourcountrycommercialbankmergersandacquisitions,proposedtospeedupourcountrycommercialbankpropertyrightssystemreform,improvetheproportionofassetsandliabilitiesmanagement,pushtheBankstoall-roundizationmanagement,developingandperfectingcapitalmarket,strengthenstrategicm&amotivesforBanksandstrengthentheintegrationafterthemerger.Keywords:Bankmergersandacquisitions,thestatusquo,problemsandcountermeasures目录一、绪论...............................................................................................1（一）选题意义.............................................................................................1（二）国内外研究现状...............................................................................11.国外研究综述.....................................................................................12.国内研究综述.....................................................................................1二、银行并购的概念及其基础理论...................................................2（一）银行并购的概念.................................................................................2（二）银行并购的相关理论.........................................................................2（三）银行并购的动因分析.........................................................................3三、我国商业银行并购的现状和存在的问题...................................3（一）我国商业银行并购的现状.................................................................3（二）商业银行并购存在的问题.................................................................31.政府干预较强.......................................................................................32.相关法律法规不健全...........................................................................43.资本市场不完善...................................................................................4四、商业银行并购的对策...................................................................4（一）...
