The Problems And Suggestions To The Chinese Bank Sector In The Trend Of Mixed Operation Of Chinese Financial Industry

Different with USA, Japan and some European countries, China is one of the few countries which introduce separated operation in financial sector. The bank sector, dominant in Chinese financial industry, encounters many difficult problems in the trend of mixed operation. The paper puts the emphasis on the analysis of these problems, for instance, banks'strategy, financial innovation, internal control and talented person, and proposes some suggestions.Currently, Chinese banks carry out the homologous strategy of providing all-around traditional bank services. However, the goal of Chinese banks should be to become the financial institutions with prominent major business and characteristic service.Now the Chinese banks are short of independent innovation capability and difficult to meet the clients'diversity of demand. I suggest the work of financial innovation be more cautious, especially to the innovation of financial derivatives.Further, the internal control is still poor in Chinese banks. It's necessary to construct the appropriate internal control system, especially the risk management system. In the trend of mixed operation of Chinese financial industry, many banks worry about the insufficiency of financial talented persons. In the long term, introduction and training are the two key ways to solve the problem.