A Study on the Problems and Countermeasures of the Commercial Banking Supervision in China
|Keywords||Commercial bank Banking Supervision Market discipline|
Finance is the core of modern economy running, with a strong impetus to economic development. Commercial banks are the core of modern finance, its stability and security in relation to the stability and security of a country's financial system and the national economy as a whole. Have occurred since the 1980s, the world financial crisis, countries in economic stability and a great impact, and the vulnerability of the commercial banks is exposed. In 2003, China Banking Regulatory Commission, marking China's financial industry regulatory system has been fully constructed. However, our existing bank regulatory regime born out of the planned economy period, with a strong administrative color, and my lack of experience in the relatively short history of the professional supervision of commercial banks, there are still many disadvantages and problems in the supervision of commercial banks. Under the new situation of China completely open the domestic financial market, through effective banking supervision, prevention, control and defuse financial risks, to ensure the security and stability of the banking system is a need to examine in depth. Although the practice of national banking supervision there is a big difference, but you can still do to the overall analysis to identify common research on its development trajectory. Start from the concepts and theories of commercial banking supervision, explains the meaning and necessity of banking supervision, review of the historical evolution of the Western developed countries and China Banking Supervision, supervision of commercial banks. On this basis, from the three aspects of commercial bank regulatory body, regulatory content and methods, regulatory object, discusses the problems existing in China's commercial banks regulatory practice. Problems in the supervision of commercial banks in China analyzed the causes of the problem for two main reasons: inadequate legal environment, separate supervision system suited to mixed operation, administration-oriented affect the effectiveness of supervision, corporate governance structure of commercial banks and internal The control system is not perfect, does not establish an effective market discipline mechanism. Western developed countries, the supervision of the commercial banks advanced practical experience, on this basis, the proposed countermeasures and suggestions to improve the supervision of commercial banks in China, mainly to improve the legal system; establish a unified financial regulatory authorities; supervision regulators re ; improve the quality of regulatory personnel; sound changes in regulatory philosophy, to improve the regulatory approach; improve market discipline of commercial banks; commercial banks corporate governance structure and internal control system.