The Change Of The Finance Industry In China From The Segregating Banking System To The Universal Banking System

The finance anency function theory and the system vicissitudes theory acting as theory base, this paper enters into the U.S. ,ENGLAND and German finance management pattern evolution and analyzes vicissitudes track of finance management pattern. Present, Economy goes into the high velocity in whole world what develops phase, Being supervising one by one below the consummate situation (the international supervising and domestic superviseing ) . Then the meritorous service to the banking system ho able to also possess the fresh demand : Being living macroscopicly up emphasize the relationship between banking system resource distribution and the economic growth : Being living on the microcosmic , The stop is living to thaw in the expenses meritorous service capacity banking intermediary not more easy step , But is intervening keenly up the business composition administering , Emphasizing that the difference hazard shares responsibility for the means moreover . This is deep tier of reason that results in universal banking management of whole world banking.Wherras the choice of finance management pattern is very important on the economy development. The original is by the main inquirement "Pattern development tendency is operated to our country banking " This problem. First of all, this treatise discusses the difference between finance segregating banking system and universal banking system and theory base. Afterwards expansion main part section proof.Firstly, This paper discusses development route on weasten countries finance universal banking system by using the analysis tools of the system vicissitudes and the finance agency function theory.Secondly, This paper comments on our country finance circulation at segreagating banking system, and has an virtual survey.Thirdly, This paper discusses the system supply of our country universal banking system.At last, This paper brings forward the product desig-nment and organization pattern.By means of the original research work , Systematically analysing western country banking management pattern evolution course and the pattern history evolution is operated to the banking of our country , The course was analysed the proof to propose our country hanking trade already harracks through the branch and was all along confuseed the tendency that the barracks transforms already , Moreover propose product design and the organization pattern that the barracks was confuseed already to our country banking . To our country the banking trade development propose the fresh thinking , Having positively guiding the sense as to the development accedeing to the Chinese banking trade of trade organisation queen in world .Chen Yong (Finance science) Directed by Hu yangjing...