美国花旗集团破产危机及对全能银行模式的反思

2008年,美国的"次贷"危机演变为一场全面的金融危机,华尔街的投资银行纷纷进入破产保护,仅存的高盛和摩根斯坦利宣布向全能银行转型.然而,作为全能银行领袖的美国花旗集团却已深陷破产边缘.人们在关注金融危机进一步发展动向的同时,全能银行经营模式在防范风险、提高经营效率等方面具有怎样的优劣再次成为人们关注的热点.本文通过对花旗集团激进的全能扩张路径的阐述,分析其激进扩张的负面效应,探讨未来全能银行的发展模式,这对中国银行业未来的发展具有重要的启示作用.

Rethinking of the Crisis of American Citibank N.A. Bankruptcy and Mode of All-round Bank

In 2008,the sub-loan crisis in United States turned into a sheer financial crisis.As the leader of universal banks,Citigroup has been bogged down on the edge of bankruptcy.How to take full advantages of universal bank and achieve stable operation as well is the problem urgent to solve now.On the basis of analyzing the reasons for Citigroup bankruptcy crisis,this paper tries to do some preliminary study on the model of universal bank for the future business.