The Study On Risk Factors And Control Of Commercial Bank's Synthesized-business

Currently, international financial industries are heading to the tendency of synthesized-business. Most developed countries such as Germany, Britain, Japan and America all carry out financial synthesized-business successively. But many developing countries practice rigid financial disjointed-business system. What are the risk factors of the financial synthesized-business, especially for commercial bank's synthesized-business? How to evade this risk factors? And how to actualize commercial bank's synthesized-business? The dissertation delivers economic interpretation for commercial bank's synthesized-business, compares the advantages and disadvantages of Euro universal banking and American financial holding company, analyses the risk synthesized-business engendered, and studies the internal risk control, external financial supervision and realization relate to commercial bank synthesized-business. First of all, the dissertation exerts economic theories including Assets Specialization, Finance Gradualized-demand and other theories to explain the motive of commercial bank's synthesized-business; Secondly, it compares the advantages and disadvantages of Euro universal banking and American financial holding company in terms of their system, operation, special risk and financial supervision; Thirdly, it analyses conflict of interest risk, financial risk,investment risk and group domination risk produced by commercial bank's synthesized-business; Fourthly, it builds an internal risk control frame: the first includes decision of entity directorate, internal control and audit headquarter, risk management headquarters; the second includes decision of internal control and audit group, market risk management bureau, professional risk management bureau and operational risk management bureau; the third includes implement of risk management bureau of subsidiary company and its risk management group;Fifthly, it builds a bi-directional and three-arrangement financial supervision system: the bi-directional system divides the financial supervision into supervision on financial services and on financial markets, the three-arrangement system involves Basel Committee's supervision on its member countries'supervision institutions, member countries supervision institutions'supervision on its financial institutions and national special guilds'self-discipline supervision on its member institutions;Sixthly, it discusses the realization of commercial bank's synthesized-business in terms of biology cooperative evolution theory: builds a interdependent, reciprocal and mutual-restrict mechanism between the monetary and capital market services, constructs flat-H organization structure , builds self-learning corporation cultures and so on;Last, it designs a bank holding company mode for China stated commercial banks according to the results this dissertation educed.