Research On The Development Strategy Of China' Scommercial Banks Under The Trend Of Mixed Operation

Due to the development of science and technology,the improvement of productivity and the changes of the global economic situation,since the 1980 s,the financial industry has been driven by liberalization,globalization and innovation,and has undergone tremendous changes for its own development.After China's successful entry into the WTO,a large number of foreign Banks swarm into the Chinese market in view of the government's relaxation of the restrictions on their establishment of institutions in China,which makes the market share of domestic commercial Banks snatched by foreign Banks.As a result,the business situation of Banks is getting worse and worse,and they are in urgent need of reform.A slow recovery in the global economy and the environment under the background of the country's economic slowdown,China's commercial Banks assume responsibility to promote economy structure adjustment and resolve the burden of excess production capacity,implementing the differentiated management mode gradually appear unable to adapt to the needs of the development of commercial Banks,a series of measures to promote financial reform and development is undoubtedly a difficult problem,China's commercial Banks business model transformation is imminent.This paper adopts literature research method,induction and comparison method,and experience summary method.Firstly,the advantages and disadvantages of mixed and separate operation are introduced.Then,combining with the background of China's economic development,the historical process of mixed and separate operation of Chinese commercial Banks is expounded.Secondly,taking ping an bank as an example,this paper introduces the course of ping an bank's mixed industry transformation and analyzes the results brought to the bank by relevant measures.Moreover,by using principal component analysis(pca)for the study of pingan bank competitiveness,and collecting the data of domestic listed Banks are 10 years of a competitiveness ranking,find peace in the mixed process of deficiency,and explore the approaches and strategies to raise their competitiveness,and promote internationalization step towards peace Banks to strengthen their competitiveness;Finally,this paper proposes the improvement of development strategies for ping an bank in the process of mixed operation,so that other commercial Banks in China can learn from it.Based on the above analysis,this paper puts forward the differences between Chinese and American commercial Banks and proposes that Chinese commercial Banks should base on the organizational structure of American commercial Banks and rely on the profit model of British commercial Banks.In addition,ping an bank should integrate group resources,promote customer migration,make full use of financial technology,build an intelligent bank,and strengthen core capabilities to provide customers with characteristic services.