| The fast development of direct financing in China has affected on the commercial bank of China. This phenomenon made the academic circles dispute, and the focus is whether the capital market could substitute the commercial bank? This paper is trying to reveal the relationship between the two that there is no such relationship between them and the commercial will base on the capital market and develop in universal banking way instead.This paper discuss on two topics. First is how to discuss "why the financial media exists" in modern financial media theory? Second is how to develop financial media in China (commercial bank as example)? The former belongs to theoretical field and the latter comes from practical field.Through the analyzing of this paper, I draw the following conclusions: First, although the commercial bank has been influenced by the capital market, but the vigorous development of market does not substitute the function of commercial bank, will provide the base to the commercial bank instead, they are complementary. Secondly, under the now political and economic system of China, in the circumstance of financing globalization and opening policy, the universal banking in China has come into reality. Although it is in the embryonic form and is not in standard way, but we will foresight the hope and future of China universal banking. Accord with the international universal banking, the development of China universal banking will mainly in financial proprietary company.This paper concludes the theory of "why financial media exists", and use the result as the basis of analyzing of China universal banking, from the point of condition and services of commercial bank, proposes the future model will be financial proprietary company.The analysis will provide some reference worth on the model choices of China universal banking. Of course, owing to some data and model, I didn't prove in strict way, I hope the readers could discuss this topic. |
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