Our Country’s Commercial Banks Comprehensive Operation Effect Analysis

Since1980s,under the condition of financial liberalization, globalization and network become increasingly visible, the trend of the commercial bank comprehensive business also gradually revealed and the proportion of non-interest income of commercial banks income is more and more big.Nowadays, more and more developed countries,like America,the UK,Japan have already completely transformed the separate operation mode for the integrated management one.Their goverments have released the control of their commercial banks.As a result, newly industrialized and the developing countries followed their pace. The comprehensive management has become a inevitable path for the future development of commercial banks in the world.Before1993, our country’s commercial bank adopt the mixed management pattern.Because of lacking the support of the national force,the conditions were the bad operation of banks, the confusion of social economy.It led to our country’s commercial banks fully access to the separate operation stage after1993. With the deepening of foreign degree in China in recent years, as well as the improvement of China’s international status,this traditional mode is hard to satisfy our need of development.Our government has issued relevant policies to allow the conditional comprehensive operation between financial institutions. With the loosening of financial control, our country’s commercial.banks are taking various measures to change their management ideas and expanding their business scope.They pay much attention to strengthen the joint with other non-financial institutions.The result of it is the proportion of non-interest income accounted for revenue has greatly increased.It realises the diversified revenue of banks.Earnings promote and risks disperse as a result. In driven of realizing scale economy, scope economy and synergy effect in this kind of business model, each big commercial banks in China follows suit and actively takes part in wave of expanding non-interest income business.While according to the marginal theory, the development of everything has an efficient frontier.If we exceed it,the effects will turn to the opposite direction. Using panel data analysis,this article empirical tests the benefit and risk datas of12commercial banks in our country between the first quarter of2007to the second quarter of2014and realises the non-interest incomes came out in this mode didn’t realise the benefits rising and risk declining.The result was opposite.The purpose of this article is to alert our commercial banks to pay attention to the benefits and risks brought out by the current business model. Don’t blindly pursue expanding the scope of business,but to change management ideas to explore new business areas.In that way,our country’s commercial banks can better access to fully integrated business model in the future.The first part of the article states the selected topic background and the related research status at home and abroad and advances the research method, innovation of this article and shortage based on this. The second part defines the theory of integrated management. On the basis of distinguishing the comprehensive management and the mixed management it introduces the main mode of comprehensive operation in our country at present.The third part discusses the current situation and existing problems of our country’s comprehensive management.It introduces the characteristic of this model at the same time puts forward the problems it faced recently.It mainly contains first,the confused management and the dismatch of supervision model.Second,the phenonmenon of the transfer and infection of risks is aggravating.Third,it is worse of the moral risk of’to big to fail’.Excepting these,the kind of business is not abundant. The fourth part empirically analyse our country’s comprehensive management.The empirical results show after the forth quarter of2009,the benefit and risk brough out by this model used by our country’s commercial banks didn’t realise the benefit rising and risk declining.The fifth part summarizes the empirical results and comes up with the advises of our country’s comprehensive management.It mainly proposes four suggestions such as commercial banks strengthen the cooperation with non-bank financial business innovation.And then,the regulatory authority establishes the model of coordinate regulatory.Besides that,the regulatory authority should establish the margin system.The last advise is controlling business scope reasonably.This paper’s innovation point is through introducing virtual variable studying the benefit and risk of our country’s comprehensive management before and after the forth quarter of2009and works out result of this model has already turned to the opposite direction after the forth quarter of2009.Therefore it draws our country’s every commercial banks attention. Due to the research capacity constraints,this paper only works out the model used by our country’s commercial banks after the forth quarter of2009exceeds the efficient frontier, leading the benefit and risk of it turnes to the opposite direction.But it don’t obtain the specific number of the efficient frontier.Excepting this,when analysing the change of the forth quarter of2009,the considering elements may not be comprehensive. I hope in the future research I can make up for the shortage.