Research On The Mode Of Mixed Operation Of Chinese Commercial Banks

This age is the age of global economy and global information. The level of the science technology and the ability of the finance determine the competitive power of a country's economy. Since the 70's of the 20'" century, the most profound transform occurred in financial world. Owing to the influence of the financial derivative tools and the information technology, great changes have taken place in the function of the financial institution and the structure of the client. Various financial institutions began to infiltrate into other field of finance service, and the bounds between finances industries began obscure even more. Since the fifth combination in the 90's of the 20V century, global bank industries have developed towards the direction of large-scale, international and omnipotent. The joint management is the leading trend of the new century. What should our finance industries do facing such situation has become an important research task.This article takes the developing mode of our finance industries as the study object, combines the Exchange Costing 'Theory, Institution Transitional Theory and Finance Deepen Theory, deep analyzes the developing mode selection of our finance joint management. From the reality of the finances system flux of various countries through the combination of historical compare analysis, demonstration analysis and standard analysis, the writer deep studies the outcome of the banking operation mode of the America, Britain and Germany, concludes the outcome track and the characteristic of the developed country as well as its revelation. Through the deep study of the existent problems of risks and efficiency, this article induces the applicable element and the standard condition and preparatory established the explanation structure of finances joint management's developing mode. After joined WTO, facing the trend of the joint management, to developing the joint management of the commercial bank is the necessary choice to cope with the challenge, while the transition way is to develop the banking holding companies.The writer also discusses upon the strategic steps and the law breach, points out that in order to select the developing direction and trend correctly, we should resolve existent problems, use the revelation of the joint management mode of the developed country for reference, consummate the system function of our finance, deepening the finance system reform and establish the financial joint management pattern which will be fit for the situation of our country.