德国全能银行制度及其对我国的启示

德国全能银行制度具有业务领域充分多元化、通过股权投资形成业务网络、广泛的集团外部相互持股以及全能银行是证券市场的主体等特点。德国全能银行的优势主要体现在经济范围优势、资金优势、成本优势、网络优势以及抗风险优势等方面;其潜在风险因素包括道德风险、投机风险以及传导风险。德国金融监管制度是德国全能银行制度得以顺利实行的根本保障。我国银行业实行全能银行制具有必要性和可行性,发展全能银行是我国商业银行的必然选择。

The System of the German All-round Banks and Their Reflection to Our Country

The system of the German all-round banks has their characteristics of diversity in the business area,net formed through the stock holding investment,inter-support outside of the groups and the all-round banks are main body of the stock market.The all-round banks embody their economic,found,cost,net and anti-risk advantages.And the potential risks include moral,speculative and conductive ones.The German financial supervisory system is the key to implementing their system.So it is necessary for our country to carry out the all-round system and all-round banks are the only choice for our commercial banks.