[Banking and Management] Assess the advantages and limitations of Essay

Banking and Management Assess the advantages and limitations of universal joint banking OR all affair financial institutions - Essay Exampletional economic investments, the Chinese banking sphere of influence has undertaken the strategies of integrating investment dos, advisory and underwriting suffice, post finance and asset management under the same umbrella of the commercial services provided the banks. The universal banking service crack cocaineed by the Chinese state-owned banks has certain advantages as well as the limitations. On one hand, the aspect of universal banking enables the banks to increase their sales revenues and profitability by catering to the investment demands of the piecewide markets apart from the commercial services. The limitations of offer universal banking products and services lay due to the fluctuation of international economic conditions and the fluctuation of interest rates, put back rate that would increase the risk exposure of the investme nt services.The concept of universal banking includes a wide cathode-ray oscilloscope of financial services provided by the banks in order to cater to the regular banking as well as the investment needs of the customers. The aspect of all purpose financial institutions is related to offering comprehensive service to the customers that also help the banks to diversify the risk of their business. The various banking products and solutions that are offered under the system of universal banking includes nest egg and deposits accounts, loans and credit services, management of assets, investment service, underwriting services, financial analysis, advisory services, processing of payments, etc. However, banks may choose to offer specific products and services in a universal banking system depending on their specializations. The Chinese banks have been lately named by a magazine as the one of the worlds largest and profitable banks in the world (Linda and Julapa, 2000, p.33). However, thi s does not mean that the Chinese banking sector is more resilient to the complexities of international economies. Although developments in the Chinese banking sector have