Study On The Choice Of Financial Mixed Operation Mode And Risk Management

In the era of economic globalization,economic liberalization,integration has become the trend of the times and foreign financial management mode is also with the development of economy,the continuous change,financial industry throughout the world,mixed operation has gradually replaced separate operation has become the mainstream of the development of the financial industry trend.With China's accession to the WTO,the domestic financial industry can not be without its impact,as well as the impact of the international situation,facing the impact of foreign economic situation.In order to increase China's financial institutions in the wave of global economic ability to adapt,the developments and changes in the response to the current economic situation,the mode of operation of the financial industry of our country must change from separated operation to mixed operation transition has become the trend of the times.But there is no universal fixed mode,there are two main types of mixed operation mode in the world.In the process of transformation,it is bound to face a series of new problems.It is a problem that must be solved to choose what kind of mixed mode of operation.There are risks in any kind of business model,integrative management and separated management strengths and weaknesses,new model must face new risks.In this paper,the first chapter is the introduction.Firstly,it introduces the selected topic background,the research significance and the domestic and foreign research review,the second part from the international financial industry business model development process of analysis,mixed operation has become the world's major financial management model,and then compared the two different business model in all aspects.The third part introduces the main advantages of mixed operation,and analyzes the deficiency of the existing business model in China.Finally,Germany is represented by the universal banking model and the United States as the representative of the financial holding company model.Finally shows that China's financial industry in the future development of the road is also a mixed operation,and through the feasibility analysis shows that the financial holding company is the most suitable for the current development of the situation in china.There is no one kind of mode is perfect without faults,similarly,mixed operation will bring the corresponding risk hidden danger.The fourth part introduces the risk of financial holding company.Risk of capital conflict,conflict of interest and risk of related party transactions.The fifth part puts forward some suggestions on the risk from the aspects of law,supervision,information disclosure,strengthen industry self-discipline,and exchanges and cooperation with international regulators.