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Study On New Problems Of Chinese Bank Supervision And Corresponding Countermeasures

Posted on:2004-02-19Degree:MasterType:Thesis
Country:ChinaCandidate:D C JiangFull Text:PDF
GTID:2156360092991411Subject:Finance
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The bank's safe management is important to the national economy steady development, which make the bank's supervision to be paid attention to by government authorities, and become important means to insure the banks serve as credit intermediate and payment intermediate. With the development of economy technology, the acceleration of finance deepen and join the WTO, our the bank's operation take place a lot of changes, therefore produce some new bank risks. Comparative to these new risks, the bank's supervision obviously fall behind, and some principles, laws and codes, the supervision method have already no longer applied. How to increase the supervision ability so as to change this kind of condition is an important subject to the supervision authorities. The paper is to aim at this subject to do the analysis and study.The first part is theories part, including the meanings, theories foundation, and the targets, the contents and the principles of bank's supervision. The complexity of the now bank business make the meanings of bank supervision abundant. The bank supervision must be done as the negative exterior of the bank system, the imperfection and dissymmetry of information, the public product characteristic of the bank system, the contrary theory of the bank free competition. The targets of bank supervision are the premise of realizing effective supervision, and the authorities supervise according to it. Many countries think that the targets of bank's supervision should be established and maintain a stable healthy effective bank system, guarantee the financial market healthy development, protect the financial parts especially depositor, push the economy and finance development. The bank supervision contents primarily contain three aspects: the market entering supervision, the market operation process supervision, the market exiting supervision. In the process of supervision the authorities also must obey certain principles.The second part introduces American, Japanese and Indian bank's supervision as well as enlightenments to us. What the United States practice is two lines and a few parts supervision mode. The federal government and each state government supervise the commercial banks; The OCC, FRS, FDIC, SIC precede the direct commercial banksupervision. Japan has formed a new financial supervision frame taking the financial department as core, independent Central Bank and deposit insurance organization together participation, local finance bureau entrusted supervision till 2001 by the financial reformation. The Indian Reserve Bank single supervise in India. Due to every country is different, we can not copy these country bank supervision code.The third part generalizes the changes of banking and supervision problems. Since reform and open more than 20 years, particularly the people bank independently exercises central bank function, our country supervision works have gotten many achievements including fabricating organizations, index system, law system and perfecting supervision contents. With the situations changing, some new circumstances appear which puts forward the new requests for the bank supervision.What our country practices is separated operation and separated supervision. But recently the financial holding company, bank-securities cooperation, bank -insurance cooperation etc appear, which make the current finance supervision system fall behind, appear to supervision vacuum or repetition supervision. The admixture of bank, securities and insurance not only weakened the business foundation, but also capital circulation among bank, securities and insurance and the increasingly osculation of the businesses increase the supervision difficulty .we current adopt mostly the organization supervision, manage through businesses examining and approval. So when the different financing institution business crosses increasingly, releasing a new business usually need go through several sections long coordination then can be completed. In addition, the new business become a cross business at t...
Keywords/Search Tags:Bank Supervision, the Problems, the Countermeasures
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