Research On The Mode Of Mixed Operation Of China Finance

Mixed business management of finance means thatfinancial facilities can supply all financial services,and Putinto industry by holding its shares.Mixed businessmanagement in the view of commercial banks means thatc ommercial banks can suPPly all financial services includingloans securities insurance credit guarantee and Put intoindustry by holding its shares.It 15 the tendency of Chinacommercial banks to construct the financial share holdingcompany when mixed business management has been theglobal tendency and the depth and width of China economymingling into world economy has been raising step by step. China accelerates the develoPment of its financial systeminternationalization after joining the WTO.The mixedoperation of finance means that banks,securities companiesor insurance comPanies run each other'5 financial transactionb eyond their resPective business scoPe.The financialindustry of China,which have been of division of occuPationsince 1993,need be urgently Promoted by the new motivityfrom mixed operation of finance to greet the comPetitionbrought about by the internationalization of financial market.But it's impossible set up the whole system of financesupervision according to the existing and sPecial backgroundin China to guard against the financial risk.Mixed operationof finance in develoPing countries is still a process of acareful quest to practice.Research on selectivity of management model of mixedoPeration of finance in China.This PaPer takes themanagement model of commercial banks as the researchobject.First,this PaPer analyzes the origin,rationle andcharacteristics of division of occuPation and mixedoperation of finance respectively,between whichcomparison is made from the asPects of macroscoPic andmicrocosmic structure,risk,benefit,the relationshiP ofb ank and enterPrise,etc, discloses the advantages anddisadvantages of the two models and Points out thatmanagement model choosing of commercial banks isadynamic Process,and therefore must combine the domesticfinancial situation with the trend of financeinternationalization,to keep consistent each other.On thisfoundation,the article examines the formation,the varyingprocess and the existing Problems of management model ofour country's commercial banks and draws conclusion thatChina commercial banks are less suitable for mixed oPerationof finance than division of occuPation as far as its Presentfinancial situation,and the latter is a better choice atpresent. China commercial banks should go along with themodel of mixed oPeration of finance in the long run.Countermeasures are Put forward to Promote the develoPmentof our country's commercial banks,such as systemarrangement and imPlemention Process. England,Japan, the United States gradually cancelled thelimitation to system internationalization to promote theomnipotent bank system from the middle term of 1980s.AfterJapan and the United States promoted the omnipotent banksystem completely in 1999,other countries in the world andregions also began to examine the problems of mixedoperation of finance and division of occuPation,and inclinedto the omnipotent bank system increasingly.Under theb ackground that mixed operation of finance becomes theglobal trend,and China economy is melting into the dePthand width of the world economy because of joining the WTObut is being Promoted increasingly,it comes urgent andnecessary to discuss questions related to mixed oPeration offinance. With the entry of WTO,China's financial market isfurther opening,which leads to the entry of more foreignfunded and therefore more intense competition.Most foreignfunded banks are world一famous and comprehensiveomnipotent banks with the superiority of funds,technology,management,etc.So they have the highcapabilities against risk in China due to their multiPleoperations and internal compensation system in themultinational companies,all of which will be bound to bringabout new threaten bank industry of China.Facing thecoming challenge,we should take active measures againstrisk established in traditional business,widening...