Research On Mixed Operation Of Chinese Financial Industry

China is currently implementing a bank,securities,insurance separate operation and specialized supervision system.But with the gradual implementation of the interest rate market,the deposit insurance system has been established,and join the end of the WTO protection,foreign banks in China,China's financial institutions will face domestic industries and separate operation mixed operation of the fierce competition with foreign banks.It is because of the above reasons,the domestic financial industry mixed operation and separated from all walks of life to choose when and how to adjust,are concerned.In this case,China's financial industry has appeared some mixed business signs,state regulators also separated operation of financial policy step by step the adjustment of the people's Bank of China.Released in June 2001 "Interim Provisions of the intermediate business of commercial bank >provisions of commercial bank can carry out agency securities investment banking business and agency The insurance business.2005 issued " measures for the administration of pilot companies fund management of commercial banks.In the April 11,2009 meeting of the fifth session Chinese financial reform forum,the CBRC and CIRC have reached a consensus on the bank insurance company,the four major banks to become a pilot.It made a good foundation for China to implement the mixed operation there was peace,CITIC,our business involves the bank,securities,insurance and other aspects of the comprehensive financial holding company and ICBC,BOC,CCB,bank established Banking Holding Company,and other small and medium-sized joint-stock joint-stock banks and local commercial banks still exploring this issue.It is also because of China's financial industry to explore mixed operation in the stage,China's capital market is not perfect,no regulatory programs mature,so we can learn from the experience of other countries to avoid repeat the mistakes of others,This is very important for the long-term development of China's financial industry mixed operationThis paper is divided into seven chapters: the first chapter is the introduction,introduces the background of China's financial industry mixed operation significance,elaborated the domestic and foreign scholars on the research status of mixed operation of financial institutions,the paper illustrates the research method.The second chapter introduces the related theory,the separate operation and mixed operation from the risk,efficiency,analysis of the two kinds of management modes in three aspects.The third chapter introduces the supervision practice of mixed financial business in the United States,a detailed analysis of the development of the financial industry mixed separated mixed,and Citigroup as a case,the practice of mixed Citigroup is analyzed,as a reference for me commercial banks mixed operation exploration.The fourth chapter reviews the evolution of China's financial operational system,analyzes the feasibility and necessity of the future of China's financial industry mixed operation,and Ping An Group as an example To illustrate,mergers and acquisitions as a means of financial holding company is the ideal mode of financial mixed operation in China.The fifth chapter analyzes the current situation of China's financial industry mixed operation may encounter problems.The sixth chapter in the Chinese financial industry mixed operation problems,put forward some suggestions,including the commercial bank as the main push of financial mixed operation,improve the relevant laws and regulations,perfecting supervision.The seventh chapter is the conclusion.