A Research On China Banking Integrated Management Mechanism

Along with the gradually pushing of banking reform, some key issues which have puzzled us in long period become the big questions. Integrated management is one of the useful means to break through the developing choke point.The financial running status shows that, strictly separate management system concentrates the financial risk in a narrow range. Financial innovation can't be developed further due to such system. On the other hand, diversification operation under the integrated management system may be propitious to the steadily growth of banking profit. After China entering the WTO in 2001, more and more foreign capital banks appear in the competing market, it is imperative under the situation for local banks to promote the competing ability through integrated management.Although it is necessary to carry out integrated management system in China, we should still take it seriously to such disadvantage factors: lack of correlation rules of law, limitation of financial marketing system and restrict from the outside environment. After spreading of integrated management, we should pay more attention to the new financial risks about cross-market operation.Thus, we submit the systematical frame to cope with important issues mentioned above, such as mode choice of banking integrated management, the way to consummate the law system, supervise and regulatory strategy in details.