The Research Of Universal Banking Mode Of Bank Of China Post

On the background of globalization and liberalization of financial sector, the banking industry of China is bound to choose universal banking mode. With entry into the WTO, the financial sector of China and the word mixes more and more closed, meanwhile the trend of universal banking is more and more obvious. Because of the superiority of Bank of China Post. Facing with the above-mentioned opportunity and challenge, Bank of China Post must realize the superiority and inferiority what she has, in advance, and realize its own sustained development.At present, the commercial bank of our country still adopts separation banding but we can't always elude risk by closing ourselves. We should realize this kind of trend clearly and reply to the challenge actively. Especially after entering the WTO with the development of economy of our country, it is only a mater of time and opportunity to implement universal banking. As a shareholding commercial bank, Bank of China Post possesses a lot of advantages of implementing universal banking .If the conditions of implementing universal banking in financial fields of our country are ripe, Bank of China Post must get on the road to implement universal banking at first, then makes a new way of universal banking with our own feature.We benefit from other country's experience in choosing the mode of universal banking, and through with different mode of universal banking, combine with the condition of China, we know than the Bank of China Post should become a Financial Holding to realize his own development.With the methods of theories studying and evidences analyzing, we based on the microscopic subject of Bank of China Post and raise some countermeasures to it.