Research On Chinese Commercial Banks Choice Between Comprehensive Operation Pattern And Segregated Operation Pattern

This thesis, with the Chinese commercial banks?choice of operation pattern as the research topic, analyzes the origin, cause of formation and features of the comprehensive operation pattern and segregated operation pattern respectively. It reveals the pros and cons of these two patterns by comparing them from both the macro and micro aspects of risk, monopoly, profitability as well as bank-enterprise relationship. And it points out that the choice of operation pattern by commercial banks is dynamic and must combine with the domestic situation and in accordance with the international tendency. On this basis, it analyzes Chinese commercial banking operation pattern, the formation, process of development as well as the existing problems and thus points out that, at the present stage, the segregated operation pattern is suitable for Chinese commercial banks since the conditions for comprehensive operation pattern are insufficient. However, for the long run, the comprehensive operation pattern will be the choice for Chinese commercial banks. Meanwhile, it puts forward the strategic suggestions, including both systematic arrangement and process of implementation, to accelerate the implement, of the commercial banks?comprehensive operation pattern in china.