Abstract

Banking is an industry with high intensity and fast update of knowledge, information, and technology. Innovation is a key element for commercial banks’ survival and development. In the self-development process, China commercial banks cooperate with trust companies in business and create new financial products, strengthening management and risks control. By this way, banks can find out new profit rising point and the state-owned commercial banks can improve their comprehensive competitive strength. This paper analyzes the present situation and problems of China’s banking-and-trust operations, advancing effective business innovation and management mode.

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