Thinking Of China's Financial Industry Business Model In The Post-crisis Era

Since the outbreak of subprime mortgage crisis of the U.S. in 2007,the global economy had come into the weak state.countrise were met with barriers in the process of economic,such as the debt crisis of the Greece,the Ireland and other countries,which were considered the continuation of the subprime crisis. Experts say the downturn period will be last for a long time, and this period is called "the post-crisis era".At first,This paper introduces the concept of the two kind of business models and relevant theoretical basis, and analyzing the current situation of the development of the global business model in detail.Meanwhile in combination with the actual development of China's financial industry, the paper carries a simple analysis. From two aspects of the empirical and theoretical, comparing the three typical mixes business mode, linking with the general trend of the global financial industry,it appraises and outlooks the pratice of China's financial industry business mode, concluding the model which is suitable for china's financial industry----financial holding company,and induces the steps and option of china's financial mixed-business model.Of course, combined with the specific actual development, from the following singles,such as financial safety, regulatory system, internal control mechanisms, concluding the comprehensive suggestions for construcing china's financial holding company.The innovation of this paper:on the basis of the mixed business mode, proposing the comprehensive business model----Ping An Life Insurance Company of China.Actually, business model is not against the category and principle of mixed-business model, which outspread the mixed operation.From the Angle of the needs of the customer, the model creates personalized financial products and services,improves customer satisfaction and constructs comprehensive financial services group.