分业经营（Separate operation）.docVIP

分业经营（Separate operation） The choice of management mode of commercial banks in China -- separate operation and mixed operation [Key words] commercial banks, business model, separate operation, mixed operation, management system [Abstract] in the reform and development of the financial industry China current point, new century financial development, thinking the direction of changes China finance, the change of the international financial system provides inspiration and reference to us. In China improve and strictly implement the financial system when the mixed system has become the trend of world financial mainstream, strict separation of commercial bank Chinese operating system where the road, what is the operating system evolution direction?? The rapid development of the financial industry today, in the face of fierce market competition, to improve the state-owned commercial banks operating ability, innovation ability and international competitiveness, to create can compete with international commercial banks by Chinese banks, should make system and management mode reform, take a business for the needs of the market the road. If the change is not conform to the historical conditions of the appropriate adjustments to the business model, not only will make foreign banks in an unequal position in the competition, but also makes itself is not a strong national commercial banks are facing more difficult living environment. I. particularity of Chinas commercial banks State owned commercial banks are wholly state-owned financial institutions The state commercial banks as the main body of property rights, state commercial banks have control rights and residual income claim features zhengqibufen. 2., administrative factors in the operation of state-owned commercial banks In the process of changing from planned economy to market economy, administrative restriction has directly resulted in non commercial, non market oriented and non market operated mode of administrative orga