摘要
次贷危机正以前所未有的力度改写着美国银行业的格局。美国银行业将经历一轮市场结构的整合,银行业的集中和垄断程度将进一步上升。随着传统银行经营模式的复兴,影子银行将继续萎缩,银行的杠杆率进一步降低,盲目做大表外业务和顺周期的经营方式将有所改变。以金融控股公司为主的全能银行仍将是美国银行业的主要发展模式,全能银行通过分拆之路从追求范围经济向归核化转变。全球金融危机造就金融监管改革的契机,监管机构将从资本管理、信息披露和流动性管理等方面对银行业实施更加全面严格的监管。
The sup-prime mortgage crisis is changing the structure of U.S. banking with unprecedented strength. U.S. banking is experieneing a new reorganization, and the industry concentration will be further promoted in the future. With the revival of traditional banking model, shadow banks will continue to shrink, leverage ratio will be further decreased, and the status quo of blindly expanding off-balance-sheet business and pro-cyclical operating pattern will change. Universal banks, represented by financial holding companies, will continue to be the main form of large U.S. banks, and those banks will switch from pursuing scope economy to refocusing strategy through divestiture. The global financial crisis c, reates a chance for the reform of financial supervision, and financial regulators will implement more eomprehensive and stricter supervision on the banking from the perspectives of capital management, information disclosure, liquidity management, and so on.
出处
《金融论坛》
CSSCI
北大核心
2010年第1期18-24,共7页
Finance Forum
关键词
美国银行业
次贷危机
结构调整
影子银行
全能银行
金融监管
U.S. banking
sub-prime mortgage crisis
structural adjustment
shadow bank
universal bank
financial supervision
