| According to the request of World Trade Organization's relevant agreements, the financial circles of our country will be opened in an all-round way in 2006. As the banking system country of the leading factor type of the bank, Chinese banking will face the severe challenge from foreign capitals bank, these financial institutions not only have ripe and complete operating mechanisms but also capable of taking precautions against ability and competition in stronger risk. Base on the premise that China has overall and open financial circles, its competitiveness is a subject to be probed into urgently in front of us how to improve the business efficiency, enhancement of the Chinese commercial bank.This text uses practice result and experience of mixed operation of commercial bank of developed country such as U.S.A. and Germany for reference through comparing two kinds of management modes of commercial bank, combine the current situations of our country's conditions and commercial bank at the same time, propose thinking and inspiration of development to the management mode of commercial bank of our country, enable the banking of China to reply the competition of the foreign capitals bank calmly.This text relevant concepts with mixed operation to operating seperately been summarized and summarized in an all-round way, through comparing and analysing and comparing well and badly to two kinds of management modes, point out mixed operation has already become development trend and trend of international banking gradually. Through until and industry who mixes finance of Germany management mode and development course go on, analyze, compare on behalf of international banking U.S.A. of development trend, offer the experience of using for reference for mixing industry management mode of our country. Analyze, and the foreign banking of developed country compare and analyse and explore the analysis of the embodiment of mixed operation through the management current situation to the banking of our country, explain necessity and urgency of implementing mixed operation, find out the development model of mixed operation of commercial bank of the suitable national conditions of our country.Combine analysis described above, this text is from setting up the relevant laws and regulations of mixed operation as soon as possible, accelerate the transformation of the operating mechanism of state-run commercial bank, explore, accord with our country real management mode of mixing etc. and raise financial supervision level several respect issue management mode go on the preliminary discussion to of our country industry who mixes commercial bank. |
