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【正文】 cooperation between stateowned mercialbanks and trust panies at present. The cooperation between banks and trust is in a low level and lack of business innovation.In the cooperation between banks and trust, as domestic trust panies make self business innovation, they constantlyask banks in cooperation to make innovations. However, because some branches of stateowned banks fail to analyzecustomers’ needs thoroughly, they are not sensitive to market changes. Products and services cannot achieve timelyinnovation. All these facts affect the cooperation between banks and trust panies. In specific, less trust panieskeep close cooperation with banks. And the cooperation fields bee narrower. The business products are unilateraland lack of innovation capability. Market petence is weakened. These results decrease customers’ satisfaction to agreat degree, affect the maintenance of customer relationship, and restrain the further development of bankingandtrustcooperation in stateowned mercial banks. The approval of business operation is plicated, what affect the marketing efficiency and effect.Shortage of innovation in bankingandtrust cooperation will cause the high homogeneity of banks’ services at the sametime. Banks pete for more market shares. The petition bees fiercer. Comparing with mercial banks withshareholding systems, stateowned mercial banks’ branches have to gain approval in order to cooperate with trust panies, which is plicated and timeconsuming. Meanwhile, in contrast with stateowned banks, some trust panies are small, and some at the developing stage in new operation process and market. Therefore, the cooper relatively small, which can not win sufficient attentions from the management department of stateowned mercialReferencesDa, Xiaoqi. (2003). Probe into the trust cooperation in banks. Friends of Accounting. .Lan, Yuling. (2007). Analyze on the trust service in private banking service. Seeker. .[1]朱武祥 蔣殿春 張 新:中國公司金融學(xué)[M].三聯(lián)書店出版社,2005[2]荊 新 王化成 劉俊彥:財(cái)務(wù)管理學(xué)[M].中國人民大學(xué)出版社,2002[3]鄧 念 鄭高明:金融混業(yè)經(jīng)營研究.《財(cái)經(jīng)》,2010,第11期[4][J].財(cái)會月刊,2006(18)[5]賈琛. 商業(yè)銀行的金融創(chuàng)新風(fēng)險與防范 [J]. 金融教學(xué)與研究,2007[6]趙紅.金融創(chuàng)新風(fēng)險與防范研究 [M].中國金融學(xué),2004[7]龍志強(qiáng),周偉英.淺析金融創(chuàng)新理論與金融體系創(chuàng)新[J].商業(yè)經(jīng)濟(jì),2006,(07).[8][M].西南財(cái)經(jīng)大學(xué)出版社,2003[9][J].上海金融,2005;(8)[10][J].法治與社會,2007;(10)[11]黃淑蘭.當(dāng)代金融創(chuàng)新對貨幣供求的影響和對策研究[D].廈門大學(xué),2006.[12]尹繼志.金融創(chuàng)新對貨幣供求和貨幣政策的影響[J].財(cái)會月刊,2007,(29).寧可累死在路上,也不能閑死在家里!寧可去碰壁,也不能面壁。是狼就要練好牙,是羊就要練好腿。什么是奮斗?奮斗就是每天很難,可一年一年卻越來越容易。不奮斗就是每天都很容易,可一年一年越來越難。能干的人,不在情緒上計(jì)較,只在做事上認(rèn)真;無能的人!不在做事上認(rèn)真,只在情緒上計(jì)較。拼一個春夏秋冬!贏一個無悔人生!早安!—————獻(xiàn)給所有努力的人.學(xué)習(xí)參考
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