Chapter Four explains that the mixed operation mode should be eventual choice for Chinese state-owned commercial banks in purpose of improving their competitiveness. 第四部分闡述了國有商業銀行自身的競爭力提高對經營模式的要求，認為混業經營模式是其必然選擇。
A history of almightiness banking is phylogeny of balancing the management efficiency of the financial institutes and the supervisory ability of the supervision institute. 摘要一部混業經營的演進史實際上是金融機構經營效率與監管機構監管能力兩者間的平衡發展史。
