China's Commercial Banks Operating Mode Selector And Its Supervision

Since 21st century, the mixed operation of the commercial bank has already been the trend of the times with the further intensification of the global finance and liberalization. At the same time various countries are actively exploring efficiency custody for controlling financial risks as much as possible. Chinese Government starts from the need of economic and financial development, the commercial bank still operates seperate operation at present from the law. In the long run, the commercial bank of China implements the mixed operation more advantages. This text tries to use the relevant principle of economics. Proceed from the reality, this text puts forward the Chinese commercial bank to implement optimum mode of mixed operation -the holding group of the finance. This text puts forward the financial supervision mode with Chinese characteristics,in order to supervise the commercial bank of mixed operation (the holding group of finance ),combining the mode of dividing supervision of Chinese at present.Chapter one of thesis proceeds from basic conception of the commercial bank and investment bank first. It defines two kinds of modes of seperate operation and mixed operation. It explains domestic and international development of the management mode of commercial bank on this basis, and it compares the development model of the international and domestic commercial bank at the same time. It points out the particularity of Chinese commercial bank's development. It lets readers have a understanding to the development trend of the commercial bank's management mode .From the economy theory of scale , economy theory of scope, efficiency theory of the division of labour, special-purpose theory of the assets, enter the barrier theory, financial risks theory and finance supervision theory ,etc, Chapter two of thesis use economics principle for seperate operation and mixed operation carry on research and analyse.lt points out that the commercial bank's separate operation and mixed operation do not have the obviouslydifference in fact. This sees mainly whether a kind of mode is suitable for a country's present economic development, or favorable to the stability of the financial system. It lets reader have a understanding for basic principle of the separate operation and mixed operation.From the national conditions of Chinese , chapter three of thesis explains that the Chinese commercial banks implement the advantage and certainty to the seperate operation since the middle period of the 1990s. It analyses that operate seperation's bank exposes the abuse under the new situation that Chinese has fast-developing economy at present, and point out the advantage for the commercial bank of Chinese choosing mixed operation, combining chapter two.The author uses chess match behavior from financial management organization and commercial bank , the domestic commercial bank and foreign commercial bank . The author explains the Chinese commercial bank implements the necessity of mixed operation. On this basis, the author introduces the three kinds of modes' advantage and drawback for mixed operation in the world at present. Combining the China's actual conditions, the author points that Chinese commercial bank implement the holding group of the finance is suitable for Chinese development of economy even more than all-round bank by using the comparative advantage theory, It's more favorable to the steady development to financial market of Chinese, so the commercial bank of China should implement the mixed operation of the holding group of the finance at the next stage.Chapter four of thesis analyses that Chinese commercial bank might face the risk implement the holding group of the finance at first. It points out that the government of Chinese only makes the rational regulatory system and strengthening supervision to standardizing the holding group of the finance, reduce the risk, be favor the financial market's steadily development for long term. Afterwards the author introduces on the three kinds of popular supervision mode in the w...