The Research Of China's Commercial Bank Management Mode In The "Post-Crisis" Era

Because of the international financial crisis, the vulnerability of the international financial industry regulatory risk and the failure of financial institutions comprehensive supervision completely unmasked. Enter the" post-crisis" era, large international banks re-examine the development strategy, insist on comprehensive management at the same time, strengthen financial supervision, and actively take measures to guard against financial risks, in the comprehensive risk control under the premise of optimizing the comprehensive management.Currently, the Chinese economy is experiencing the adjustment of economic structure and the transformation of the mode of economic development in the transitional period, and to comply with the "post-crisis" era of increasingly complex and changeful external international environment and increasingly cautious strict supervision, China's commercial banks should actively adapt to the changing situation, and plan management mode transformation.In the current Chinese actual circumstance, Chinese traditional management mode has been unable to adapt to the economic development, the market formed the financial holding universal banking is suitable for Chinese banking transformation of advantageous mode. Chinese commercial banks are actively to the development of the intermediate business of the retail banking business, gradually changing the excessive dependence on capital high wholesale credit business status. Financial holding banks can not only promote the Chinese financial industry property right system and management system to commercialize a process, effective prevention and control operational risk, but also contribute to the achievement of Chinese financial growth pattern from extensive model to intensive model change.Chinese commercial banks should start from the change of management concept, and actively adjust the business structure, business innovation, restructuring the organization, reengineering the business process, in the comprehensive risk management under the premise of improving the whole level of management and staff quality, to make our country commercial bank's core competitiveness can be improved. But from a practical point of view, the commercial bank management mode transformation of related facilities of our country are not perfect, the real transformation of commercial banks is not accomplish at one stroke. Therefore, I focus on the "post-crisis" era of China's commercial banks business transition to conduct a comprehensive study.