What model does China's commercial banking system adopt?

China implements a separate business model. In order to adapt to the current characteristics of separate operation and the development trend of mixed operation in China, the Sixth Session of the Standing Committee of the Tenth NPC passed the "On Revision" on February 27th, 2003.

The new "Commercial Bank Law" revised the relevant provisions of the original commercial bank law that mixed operations were not allowed. On August 29th, 20 15, the 16th meeting of the National People's Congress Standing Committee (NPCSC) deliberated and adopted the "Draft Amendment to the Commercial Bank Law of People's Republic of China (PRC)", which will be implemented on June 30th, 20 15.

The amendment made two changes to the original People's Republic of China (PRC) Commercial Bank Law:

First, delete the second item of the first paragraph of Article 39;

The second is to delete the "loan-to-deposit ratio case" in Item 3 of Article 75. Especially for the second time, the provision that the ratio of loan balance to deposit balance should not exceed 75% was deleted, and the loan-to-deposit ratio was changed from the statutory supervision index to the liquidity monitoring index.

Extended data

Under the background of internet thinking

Business model design of commercial banks

1, breaking through time and space restrictions with platform thinking.

The core idea of platform thinking is to maximize openness, * * * enjoy and * * * win-win. On the one hand, platform thinking is based on bilateral markets and aims at mutual benefit and win-win. On the other hand, based on network externalities, that is, the more users, the higher the utility each user gets, and the increase in the number of users will drive the geometric growth of the total utility of users.

Subverting the original way of value distribution in the industry, the platform is a medium, and it is not only Internet companies that have the value of applying platform thinking. In essence, a commercial bank is a service platform, which obtains funds by absorbing deposits through liabilities and lending to financiers.

2. Simplify the subordinate relationship with flat thinking.

Flat thinking originated from the theory of process reengineering, that is, breaking the organizational structure of the pyramid, simplifying the hierarchy of subordinate relations between higher and lower levels, and establishing a flat flexible management system with wide entry and short exit, so that enterprises can adapt to the high efficiency and fast pace of the information society.

Adapt to employees' participation in enterprise management, so as to realize effective communication within the enterprise, reduce the operating cost of the organization, and make the enterprise organization have strong adaptability and flexibility.

3. Create new profit points with cross-border thinking.

Cross-border thinking is a way of thinking that looks at problems from multiple perspectives and proposes solutions. It not only represents a fashionable attitude towards life, but also represents a cutting-edge thinking trait. Specifically, cross-border thinking is the inevitable product of the deepening understanding of products and users and the escalating requirements of users for products and services.

4. Make scientific decisions with big data thinking.

The thinking mode of big data will lead to changes in life, work and thinking, which is revolutionary in two aspects:

The first is the revolution of data processing methods. In fact, statistical sampling was only produced by solving some specific problems at that time under limited technical conditions. Sampling analysis in the era of big data is like riding in the era of automobiles. With the development of science and technology, the main way to analyze data has changed from sample analysis to full data analysis.

The second is to accept the hybridity of data and give up the pursuit of accuracy. Obsessed with accuracy is the product of information shortage era and simulation era. Because the collected sample information is relatively small, it is necessary to ensure that the recorded data is as structured and accurate as possible, otherwise the conclusion drawn from the analysis will be completely opposite to the whole.