Diversified Management Of Chinese Banking

First we have to face the fact of Chinese banking system and the problems, and it is very important for us to study the operating model of Chinese banking and its history. Only through this research can we know the reason of the change to diversified management of Chinese banking.Since there are so many problems in our banking system such as centralized risks of business and weak competition ability. Also these problems prevent our banking system from developing rapidly.So we can find that it is necessary for us to study the diversified management in Chinese banking.Through discussing the history of management pattern of banking in western countries, we find the course of diversified management –monadic management –diversified management in these countries. Together with the laws and regulations of banking law-frame in these countries is the main basis and remarks.Second we study the causes of diversified management of banking including the trend of banking liberalism, the competition of banking and the cost decline. At the same time the development of capital market make diversified management necessary in banking system.Also we can draw the conclusion that the proper way for Chinese banking is diversified management.And at this period, we notice the new phenomenon including the mixture of banking and security, the cooperation of banking and insurance and the financial holding company. And it is the evidence of the development of diversified management in Chinese banking. Finally we trust that the cooperation of banking and insurance together with the security are one part of the development of Chinese banking diversified management and the financial holding company is the future trend and modal in China.