| Commercial bank is a financial institution, which services in managing deposits and granting short-term loans. Maximizing its profit is the ultimate aim. Bank supervision is a series of acts, done by the administrative organizations (of commercial banks), to restrain commercial banks and regulate their management for stable running in conformity with legal provisions. Bank supervision laws are the legal provisions to regulate the relations in bank supervision, which aim to: Safeguard the stability of currency and finance system, Safeguard the beaifits of depositors, investors and consumers, Promote prudential bank management and prevent the market failure, Build highly efficient and competitive bank system. Bank supervision laws make the value of order, fairness and benefits, as well as the basic principle of refining supervision. Compared to the British mode which is informal and has sole supervision organization, and the American mode which has two systems with varied organizations incorporated the doctrine of the iii __ separation of powers and the concept of checks and balances, as well as the Japanese mode that has one system with varied organizations and administrative guidance, we have basically erected the overall bank supervision frame in chine, but The legal system isn抰 perfect, The supervision system hasn抰 been entirely put in order, The supervision implemented by central bank isn抰 completely independent, The self-discipline of commercial blacks is in low degree. Hence, in the global development trend of highly efficient and competitive bank supervision system, the ideal legal system of our bank supervision should be the mode that: Commercial banks should have the authority of the integrated and centralized supervision organizations to operate, Supervision organizations separated into powers should share out the work and cooperate with one another, Supervision should integrate with self-discipline, Commercial banks should be regulated and developed simultaneously.
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