On Mixed Management Of Bank System

In the end of 20th century, especially after jointed WTO, with the grandness and development of mixed-management in bank system of some developed countries, there has been a bitter discussion about if China should introduce mixed-management in our bank system and if we adopt mixed-management, which mode we should take.In this thesis, the author discussed mixed-management from multi-angles: the connotation and extension, the motivation, the latent obstacles and risks etc. In the end of this thesis, the author put forward the Holding Company Model which we should take after discussing the history of our bank's development and the major models of mixed-management in the world.So-called mixed-management, from the narrow sense, is that bank and stock institutions can enter each other field at discretion, and from the broad sense, is that fiancéinstitution, such as bank, insurance, stock, trust institution etc, can enter each field even non-finance fields to develop diversiform operation.In this thesis, the content is mainly about mixed-management of narrow sense.During more than twenty years'reform, the Chinese finance system has been going through mixed, dividual, and then mixed management. Before 1978, the People's Bank of China managed the hole finance system and deal with business bank operation. After the business bank law of PRC was carried into execution in 1995, there was strict dividual-management in chinese finance system, that is to say that bank was prohibited to invest to non-finance institutions and enterprises. In recent years, especially with the development of finance groups, such as Bright Bank, the groundwork of dividual-management is flabby, to some extent, there is mixed-management.The adjustment of the business banks'operation policy is the inevitable result of the influence of international circumstance and the domestic requirement of mixed-management.There is three phases in the practice and argument about mixed-management in the developing history of finance. Before 1929, people believe the force of market and all countries in the world are executed...