The Development Of China's Commercial Banks Equity Financial Business Research

In China, the economic developing mode of high growth, high investment, high financing, has decided that the own capital invested by enterprises would be seriously insufficient. During the uncertain economic times, it may be more insufficient. Difficult financing and lack of financing method become the bottleneck of developing for enterprise, especially for small and middle size companies. SME are facing more serious financing environment, and above65%of China economic growth is contributed by civil battalion economic, however, as the main part of civil battalion, SME can't get the financial support. Therefore, China has clearly indicated that we have to put more attention on developing direct financing to increase the proportion of direct financing. By taking several ways to develop direct financing, is helpful to reduce to excessive dependence on indirect financing, improve the financing structure of enterprise, promote the structure reform of investing and financing, speed the adjustment of industrial structure and keep economic development in stable and rapid speed. In such situation, if commercial banks in China can implement the mix operation, and vigorously develop the equity financing business, try to build a equity financial service platform, in order to alleviate the financing difficulties of enterprises and lacking of financing channel. At the same time, it not only can increase the security of bank's funds by using the equity constraint and optimizing the corporate governance mechanism, also can bring commercial bank new and sustainable growth space of profit.The idea of this article is to start with the theory of how commercial banks develop investment banking business and implement mix operation, then analyze the necessity of developing equity finance business in commercial bank in China with the actual situation of domestic commercial banks. Then by drawing lessons from oversea commercial banks running mix operation, including the American financial holding company mode and Germany universal bank mode, analyzed the reality and actual mode of developing equity financial business in domestic commercial bank. Finally, based on current situation of our country, we give out the corresponding suggestions on developing equity financial business in commercial banks.Finally, according to China's commercial banks to carry out equity financial business in the SWOT analysis, and also summarizes the realistic foundation and obstacles, from the innovative products, improve the risk management, the reform of the internal organizational structure and personnel training and other aspects of the corresponding countermeasures. Firstly, commercial banks can adopt innovative" equity trust+equity finance " model, with equity trusteeship platform as the center, through the" basic services and value-added services+cooperative service" three service levels to expand the equity financial business development strategy. Then put through the improvement of bank internal control system, risk management platform, equity financial business innovation risk system three aspects to further improve the risk management system, ensure the equity of financial business in commercial banks sustainable development; thirdly, in equity financial business operation system put forward the timely introduction of career department system, operation system reform, promote the equity finance business fast health develops; finally, suggested that commercial banks in the financial market deepening and the financial institutions of cooperation, sharing of resources, complement each other, to break through the limitation of relevant policy, thereby expanding the commercial bank business, expand the commercial bank profit, promote business transition of commercial bank. This paper encourages domestic commercial banks to improve their own development through equity financial business operation mechanism, make full use of their own resources and external resources, to enhance its ownership in China financial market comprehensive competitiveness at the same time, establish equity financial services professional brand image, rapidly in the stock right finance market development trend under the occupation of market share.