Chinese Universal Banking Risks And Governance Research

America's subprime mortgage crisis triggered a global financial crisis. Therefore, financial risk management began to attract attention. Of commercial banks, the development of mixed operation is to deal with the institutional environment, market environment, a good policy changes, commercial banks have become the main trend Mixed. Especially with the deepening financial market system, the development and expansion of financial institutions, some of the larger joint-stock banks and city commercial mixed operation demand, and with the regulatory requirements for listed banks, more and more listed banks increasingly stringent operating constraints, the development of mixed operation can make up more channels from the scope of the limitations of commercial banks, to promote diversification of banking services means to ensure comprehensive customer service capabilities, look for new profit growth point.But a growing number of research and practice shows that universal banking, universal banking business due to commercial and traditional commercial banking business in the basic processes, such as the source of profits and all aspects of management style there are significant differences in the level of income than the former high-risk but also higher, as under the mixed financial credit risk, interest rate risk, operational risk, internal trading risk, capital adequacy risk, systemic risk and the lack of human capital risk. Corporate governance is the most important modern enterprise system architecture, corporate governance issues have become to the global economic and financial stability and development of the core elements. The mixed operations of commercial banks, the importance of corporate governance are more unique and special.Therefore, this study analyzes banking and corporate governance on the basis of the theory, on the status of China's commercial banks and Mixed Mixed risk-depth discussions, and then raised the risk of banking Corporate Governance countermeasures. Finally, this study combines the practice of the Bank of China Mixed optimizes corporate governance practice cases, in-depth analysis and verification of the relevant research results.Conclusions from this study are as follows:first, optimizing corporate governance arrangements to strengthen the Bank of China has become an important risk protection Mixed; Second, corporate governance, the Bank of China Mixed mode optimization must match in order to effectively mitigate Mixed risk, realize the intrinsic value of Mixed model; Third, the Bank of China Mixed optimize risk management of corporate governance must be based on the internal and external governance mechanisms governing bodies to jointly promote the two areas.At the same time the possible innovation of this study are as follows:First, from China banking strategic development needs of sound corporate governance policies, making the results more focused; second, more systematic commercial banks from both inside and outside of China perspective of corporate governance mechanisms to improve the governance system construction; Third, this study and the Bank of China Mixed case study of corporate governance, systematic analysis of the commercial bank corporate governance based on Mixed Optimization Practice. Conclusions relevant to the study guide for the actual sound of Chinese commercial banks and the corporate governance Mixed optimization of important enlightenment.