Choose The Path Of China's Banking Mixed

The modern technology and the finance are the foundation of the modern social economy's development. And nowadays, the importance of modern financial is all-known. The allocation of capital resources is full-filled through financial structure. Since the last century 70's, the tide of the financial globalization and relaxation of regulation has been sweeping the entire world. With the international financial industry competition being more and more intense, the globalization, electronicalization and the integration have become the dominant character. Especially, on November, 4, 1999, the congress in U.S passed the"Financial Services Modernization Act". Furthermore the financial system in other counties, like Japan, U.K, Korea. Transition from the Separated operation to the mixed operation has become the main trend of international finance at Present.The transformation from the Separated operation to the mixed operation in the international financial industry, in fact is a result from the financial system breaking the traditional division of labor, rebuilding the financial function. It is one kind of system evolution and the system choice which appears in economy development.The tendency of the mixed operation in China also has some important limit: The market system is imperfect, the market division is serious; The financial regulation's efficiency is low, the regulation system waits for the innovation; The financial organ,especially state-owned commercial bank, the property right reform does not arrive in particular, the corporate management structure waits for consummation; The bank inner controls system waits for perfections, the systematic risk does not completely overcomes in the financial system and so on, the present situation must not be able to intensify the contradiction , the finance system's way choice, only can alleviates the existing contradiction. Therefore, our country banking industry's transformation only advances...