Motivation And Development Strategy Of China's Large And Medium-sized Commercial Banks Universal Research

The basic agent of enhancing economies of scale and scope of banking industry had decided the banking industry of our country had with international to connect rails, realizes to the versatile management transformation. The financial holding versatile bank concurrently dividing industry management and the comprehensive management superiority , is the best carrier which transforms to the versatile management of our country banking industry. Therefore studies constructs suits our country national condition the financial holding versatile bank to have the practical significance.After consulting a large number of domestic and international relevant literature and materials of the all-round bank of foreign countries, this text to all-round bank have been analyzed. Later, carried on the analysis of real example to the economic situation of large-scale production and range of the large-and-middle-scale commercial bank of our country, draw the conclusions of large-and-middle-scale overall large-scale production and range of commercial bank of our country with lower economic situation, have expounded the large-and-middle-scale commercial bank realizes the basic reason that all can take by way of constructing the all-round bank of holding type of the finance at the present stage. On this basis, combine our country's conditions, this text is from constructing the route, administration structure, control degree and outside supervise respect carry on finance holding type all-round construction of bank carry on research to of our country large-and-middle-scale commercial bank inside, and think that large commercial banks should realize the transformation of Universal Banking through establish the bank holding company -- setting up the financial holding company -- universal banking of financial holding company, and joint stock system commercial banks may set up universal banking of financial holding company through the innovation of financial product and service and buys way. About the management of universal banking of financial holding company of us, we should carry on the three establishment of structure of government, internal legal person controlling and exterior supervising system. We must clear about the property right relations, establishes effective independent board of directors, the omni-directional surveillance board of supervisors system and the effective market drive mechanism from exterior, and to pay great attention to the establishment of the core system of controlling, the frame of inner controlling, the executive program of inner controlling and the management technology of inner controlling from interior. Finally, we should realize the transformation of supervising system from organizational to functional, and establish the integrated supervising and managing frame at last. we should pay great attention to the management of market entrence, supervising of overall capital sufficiency, supervising of connection transaction, the control of risk convengence and supervising of high-level administrative persons of universal banking of financial holding company in our country and strengthen cooperation with the international supervising organization and foreign supervising authority.