Once the opportunity ripes , it will merge with the international trend , financial holding universal bank and inside comprehensive management universal bank develop simultaneously 一旦时机成熟，它将会与国际趋势相融合，内部综合经营型和金融控股型全能银行并举。
It got much development and achievement in both theory and practice from past . now universal banks system is widely used by many countries in the world 全能银行发展至今在理论上和实践中获得了极大的丰富和成熟，现在世界上发达国家和许多发展中国家都采用全能银行制。
The universal bank , or called comprehensive bank , means a bank which is not limited by the financial dividing policy , can manage all kinds of financial transactions in an all - round way 全能银行，又称综合银行，指不受金融业务分业限制，能够全面经营各种金融业务的银行。
Two of the trend is : globalization and information ; this trend is come out by shareholder , organization , customer , business , employee and management mode and so on 全能银行发展趋势之二：全球化与国际化：它是通过股东、机构、客户、业务、雇员、和管理模式等形式表现出来的。
The allfinanz is regarded as a developing financial system today in germany , emerging from the basis traditionally characterized by the universal bank system step by step since 1983 全能金融是德国自1983年以来，在以全能银行为传统特色的基础上逐渐兴起和正在形成的一种新金融体制。
Consideration and research of universal banks is primarily to application of america , british and japan , those developed countries " banking industries head for all service 全能银行的发展分析主要是它在主要发达国家特别是在美国、英国和日本中的发展和应用，这些国家的银行业纷纷全面走向了全能化。
To development of universal banks in our country we should have a good research and consideration , at the same time make a reasonably plan of developing direction 具体到我国来说，虽然我国的金融业发展还比较滞后，我们还是要早做理论准备与思考；还是要对我国全能银行将来应当怎样发展问题进行分析和研究。
Four of the trend is : net work banking network banking has many advantages of high speed , convenience , cow cost and high deposit rate and will get rapid development with improvement of information and technology 全能银行发展趋势之四：网络化；随着信息技术的飞跃发展，网络银行将会以其速度快、成本低、方便和存款利率高等优点获得巨大发展。
Based on this conclusion we can infer that distinguish the universal bank should according its extent of universal other than its mother country ' s financial system . this conclusion is very important for the later research 由此推导出，对全能银行的研究应针对的是该银行本身的“全能”程度，而不应单纯根据母国实行的是何种体制来对其进行划分。
Developing trends of universal banks have mainly four aspects . one of the trends is : become big ; bank industry always charges from appearing , now this kind of becoming big trend is accelerating 全能银行的发展趋势主要有四个方面：全能银行发展趋势之一：变大；银行业从出现到现在一直在不断地发展变化，银行业间的并购、变大的趋势是一直都存在的。
