| Since 1980s, with the development of global economic integration and liberalization, the pressure of furious market competition and fast development of information technology has driven the new financial institutions, organization systems and business tools come into being. Financial innovation has become the main character of banking business. With the increasing tension of this situation, carrying out diversified management of banking is becoming a general trend. With the changing of the financial industry modes of business operation, the financial supervision pattern will certainly to have the significant transformation as well.Banking of China is in the period of transformation of the economy, but the financial system in our country is still in the mode of segregated operation and augmented supervision. It has proved by the experience over the past few years that this mode has played an active role in establishing perfect and disparate financial market system quickly and steadily. But augmented supervision is not so perfect, which is especially evident in the way that different supervisor may consider more about the market of there own department than related market, which cause lack of coordination of unified action between the different supervision. The tending of diversified management of domestic financial institutions has become a given fact, with the extending of commercial bank's integrated services; a series of related problems will follow on. If we cannot solve these problems well, it may pose threat to china's financial system, cause new financial risk and bring out financial regulation dilemma. As a matter of fact, it is of great practical significance regulation of financial bank justly through rules, and incorporate theoretical analysis into china's diversified management and the supervision methods which meet the needs of our country, based on successful experiences of financial diversified management.In view of this, I use many analysis methods, such as standard analysis, practical analysis, risk-benefit analysis, etc. This paper draws two main lines of theoretical research and practical discussion and concentrates on the problem of financial regulation under the trend of commercial bank financial diversified management through theory and practice, in order to give some theory basis on changes in China's supervision system in the future and give some policy recommendations on the designing of diversified supervision mode. First of all, it deficits and discuses the connotation and mode of financial diversified managements; analyze and review the financial supervision development process under the trend of financial diversified management;obtained the finance to mix industry and financial supervision certain patterns, and unified various countries to mix industry and the supervision vicissitude process, summarized may supply the reference to mix industry the vicissitude with to mix industry the supervision experience and to revolve the financial supervision to conduct the inside and outside comparison research with China reform of monetary system path analysis, based on this ,we have carried on the design to our country's finance supervision pattern.The thesis contains six chapters. The first chapter: Introduction. Chapter one introduces the article's research background and the significance of selected topic, give the domestic and foreign research present situation, and proposes the article research technique,the primary coverage and the innovation points. The second chapter: Theory summary. It elaborates the system and the meaning institutional innovation, the development and the theory present situation , simultaneously, it has carried on the analysis to the finance supervisory system's development and the main theory. The third chapter: Research of Finance supervisory system under the diversified management. First, it introduces the production and the development of the diversified management as well as versatile bank and the finance holding company in brief, confirms the financial supervision under the diversified management through the income - risk analysis. It introduces overseas various countries'the finance supervisory system reform in diversified management, and then gives the enlightenment which through the contrast various countries finance supervisory system innovation analysis to our country further develops. The fourth chapter: Bank of China and HanYa Finance's contrast research. It introduces their development experience separately, through the two's contrast, the Bank of China stock and the Chinese Banking industry's contrast, the Bank of China stock and on our country main city bank's contrast, analyzes the Bank of China's problem of the finance supervisory system and puts forward the proposal. The fifth chapter: Our country's institutional innovations of financial supervision under the diversified management tendency. Unifies our country finance supervision pattern, the finance supervisory system's evolution and our country existing finance supervisory system's subject matter, proposes that the consummation mixes industry under the business model the finance supervisory system innovation system's suggestion. Finally summarizes the full text, draws the conclusion and the forecast.We draw some conclusions:①the impetus of financial services convergence not only from the micro financial institution's competition, but also from the country's strategy to make domestic financial institution more competitive.②financial services convergence is a double-sword, which can improve the efficiency of financial service operation, at the same time it also add the cost of supervision. So it is the financial supervisory efficiency determines the performance of financial services convergence.③There is no best supervisory model in the world. Each country's supervisory model is influenced by its economic developing level, the character of its financial industry, the independence of the regulator etc.Based on above research, it is believed; China should use those experiences for reference and face the trend in the formation of financial conglomerates positively. Supervisory measures should be taken to regulate the existing convergent financial services operation. Suggestions as follows: Transform finance supervisory system's innovation pattern;Complied with the diversified management's international tendency, carrying out the unification supervision positively;Transform finance supervisory system performance; Construction perfect modernization finance supervision system; Establishment perfect finance supervision legal framework; Establishment the finance supervisory system which suits our national condition, pays great attention to maintain the national sovereignty, strengthens national the financial security. The innovations of the paper lay on the broke through formerly research on the finance supervisory system generally, it carries the diversified management,the financial supervision and the new system economic three organic connections on the analysis. Concretely it takes the diversified management as the background, takes the Bank of China as the object of study, then carries on the financial supervision the institutional innovations research;it give the necessity of Bank of China's development with the diversified management in brief;Target-oriented proposes the countermeasure and the suggestion to our country's finance supervisory system and the Bank of China;Unifies the HanYa Financial present situation to carry on the case analysis. |
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