Commercial Bank Integrative Management:International Comparison And Chinese Choice

Financial integrative management means that the business between bank, security company and insurance company are getting across not just limited in it's own area. With the development of financial amalgamation, integrative management becomes the main trend. Recently the president Zhou of the PBOC referred at the forum that making integrative management suits for Chinese economic development demand, but risk management is very important. Now the work of integrative management reform and experiment in China steadily push forward, relative laws are amended for providing the development space. Commercial bank should choose the correct business mode with the base of own development stratagem, definite own aim and strengthen risk management. Through the study to the changed history of international financial business integrative management system and the analysis for the development status quo of finance integrative management in China,the paper considered that make integrative management is Chinese finance inevitable development trend. Combined with the practical difficulties and problems existed in the course of Chinese finance integrative management,the paper brought forward relevant countermeasures and proposals that promote the development of Chinese finance integrative management. At present, in China there are many aspects such as financial market system, financial institution internal control level, financial supervision circumstances and the activities of financial innovation etc.which still have a certain gap with the demand for making integrative management. China commercial bank should make improvements to adapt for integrative management both interiorly and exteriorly. In macro aspects, we should consummate the law system more, improve financial supervision level and capability, create a better develop entironment. In microcosmic aspects, commercial bank should try to promote the level of corporate governance, strengthen risk management, increase the power of innovation and cultivate a new generation staff.