Banking Supervision Legal System
|School||University of Foreign Trade and Economic|
|Keywords||Bank Regulatory Law System|
The banking supervision legal system referred to as the bank regulatory system, the general term for a series of mandatory rules and behavioral adjustment of bank supervision and management relations system is established by the bank regulatory legislation is an important part of the financial legal system. Its elements: banking supervision body, object, goal, content. The legal system of banking supervision including market access system, the prudential supervision of the financial system of deposit insurance, bank crisis management system and other supporting systems, the various systems of interrelated and complement each other and constitute a complete legal system of banking supervision. We study the legal system of banking supervision must study finance in developed countries such as the United States, the United Kingdom, Japan, Germany, the legal system of banking supervision and the Basel Committee on Banking Supervision latest achievements. China's banking supervision legal system focusing on market access management, light persistent supervision; effective the heavy external regulatory light internal control; deposit insurance system gaps hinder supervision; insufficient coordination between the regulatory bodies, regulatory efficiency . In order to improve the legal system of China's banking regulatory I suggest: First, China should establish a scientific concept of regulation with international banking standards; adjust the regulatory focus, mainly by the \access regulation is transferred to the continuing supervision, business regulation to turn the governance structure and internal control supervision; establish the characteristics of the deposit insurance system in China: Fourth, establish an information disclosure system, to take the offsite statements reporting system to be disclosed; five, face the actual situation of China's banking industry, to avoid a \, eight, and improve enforcement mechanisms to improve the quality of law enforcement officers, and strengthen law enforcement concept of effectiveness, and improve the regulatory body; nine, the establishment of the China Banking Regulatory Commission and the relevant aspects of the coordination mechanism to strengthen our banks in order to protect the stability of the financial markets and the majority of the interests of the depositors; industry regulation and prevent and defuse financial risks to ensure the sound operation of China's banking.