Research About The Business Of Universal Banking Model

After China's entry into WTO, the Chinese financial institutions are destined to participate in the global economy and to face the keen competition from the "financial conglomerate" of the western developed countries. Against this background, is it still possible for the Chinese financial institutions to adhere to the separate management firmly? How can our weak financial institutions, especially the state-owned banks, compete with the strong financial conglomerate consisting of banks, security firms and insurance companies? To survive in the international competition, our financial institutions should be reformed, transforming from the separate management to the integrative management. However, our country still lacks essential economy financial environment of mixture run in banking industry. It must cause the confusion to change rashly. Therefore, we should build the good environment before integrated services came out.This text explains the following several questions mainly: Choice of the management system of Chinese commercial bank—the integrative management of financial system(IMFS)or the separated management of financial system(SMFS); Choice of the management mode of mixing management of Chinese commercial bank--The financial holding company or universal bank; The choice of Chinese commercial bank supervision mode—Supervise in union or supervise in separation; At last, the paper reach out Strategic design, system restraint, reform measure of mixed operation of our commercial bank.