Research Of The Mixed-business Question Under The Management System Of Divided-business Of The China Finance

In the 20th century, world financial circles went through " mixed-business in primary stage - divided-business of developing stage -Development course on developed mixed-business of stage ". November of 1999, American Senate and House of Representatives have finished the more than 60 years -long bank of U.S.A., the situations of divided-business of the securities, insurance through " modernized bill of the financial service ", move towards new era of mixed-business after revealing financial circles. Mixed-business has already become the development trend of present international financial circles.Comparatively speaking, the financial circles of our country has a similar development orbit too. The state-run bank of our country does not have management system which forms the real meaning on initial stage reforming, and since middle period of the eighties, every specialized bank expands the operation field in non-traditional business fields, such as trust, securities, investment, insurance, leasing, etc. gradually, rely on one's own fund strength and business advantage to set up large quantities of wholly-owned trust companies in succession, investment company, securities broker company have formed the management system mode of the mixed-business . The Central Party Committee, the State Council began to manage overall rectification to financial circles in June of 1993, and has established the business principles of divided-business formally in " law for commercial bank " issued in 1995, establish of our country state-run commercial bank management system of dividing into etc. in law in policy. Nowadays, in the face of world mixed-business spring tide, in the face of financial liberalization in the world, all can take deep to develop and face keen competition after that of our country accession to the WTO, China financial circles will move towards the mixed-business as other countries in the world? Move towards mixed-business following the same old catastrophic road of 1993? How to develop mixed-business at the present stage? All these are questions that financial circles of our country need thinking and studying again. This text because of thinking of the above question, attempt financial circles orientation of management system of managementsystem make some discussion to of our country current fen industry just. This text divides six parts altogether:First part it is the introduction. Introduce the background of the selected title, the research current situation and basic train of thought and frame of this text to the mixed-business both at home and abroad.Second part And theory of mixed-business argue and set out from operate separately, comparatively every characteristic with mixed-business has done analysis of comparing with to divided-business systematically in terms of risk, income and management, in the perception that to the risk, mixed-business and divided-business have nothing in common with each other in business risk, morals risk and risk are transmitted, person who mix have morals risk and cause transmission of financial risks even more, is it can produce business risk of business because the business is single undoubtedly to operate separately. The view on benefit, the mixed-business has advantages alone in meeting the adjustment of new technology, large-scale production and business, and it is that were admitted to manage the advantage in specialization operated separately. It seems synthetically that there are advantages even more in mixed-business, while diversified business bring the scale income, have brought the deficiency that the difficulty in management strengthens too.In addition, have introduced the development course of financial circles in the world briefly in the second part, and to appear mixed-business reason of trend analyse in the world since the 1990s. Mixed-business becomes a kind of trend at present, it is not a kind of chance or coincidence definitely, commercial bank benefit urges and disperses the need of the risk, push of financial globalization and financial liberali...