Mixed Operation System, The Implementation Of China's Financial Industry

Whether our country's financial industry should carry out mixed banking system is an important and complicated issue. On the basis of systematic and thorough exploration of specialized banking system and mixed banking system,this thesis makes a comprehensive and comparative study on the theories and practices of our country's financial industry carrying out mixed banking system from different perspectives. The approach is combined with the experiences of realizing mixed banking system and practice in western developed countries,such as the United States,Germany and Japan.This thesis consists of five parts. The first chapter makes a brief introduction to the basic concepts and theories as the basis of further study of mixed banking system. The second chapter takes the United States as an example,analysing the reasons that the mixed banking system produced and developed. The author attempts to look for answers to the financial industry tendency of China in the foot marks of the finance of American. The third chapter introduces the background of forming specialized banking system in our country,and gives a objective appraise of our country's specialized banking system have promoted the development of our country's financial industry,and that that system met the demand of the developing finance & economy of China. The fourth chapter studies the necessity for our country's financial industry to carry out mixed banking system. As China entering WTO,our country's financial industry must face the challenge of other countries' mixed banking system. For this reason,our country's financial industry should expand existing operations and develop new ones,provide timely new products and service modes according to market demands,and enter such financial service areas as securities,insurance,consultation and household financial management while consolidating the traditional deposit taking,lending and remittance businesses. The last chapter discusses the main problems that our country's financial industry might face in the process of carrying out mixed banking system. Then,the author puts forward some constructive opinions concentrating on the present situation of China.The thesis concludes that:(1) Looking forward to the future,our banking should realize the mixed business gradually. That will be very helpful for us to realize the diversification in financial service,to promote the international competitive ability and the economic effectiveness,and to protect against the financial risk.(2) For that purpose,we should grasp the opportunity,create the favorable conditions,widen the space of law and policy and speed up the process of our mixed business.