Mixed Operation And Countermeasures On Banking Supervise

Mixed operation, the product of the market-oriented economy system, is one of the most effective devices to enrich our economy lives and a typical form of modern finance. As banking mixed operation is originated from practices of business and law, its statues must contain spirits of law science and economics and consider safety and efficiency as value targets. As a carrier to protect finance safety and benefit of deposit holder ,banking supervising law should, beyond doubt, provide measures to protect safety of banking as effective as possible. The structure of this article is:Chapter 1 deals with the issue concerning history of mixed operation. Mixed operation is the trend of world finance. Facing challenge of other big finance organizations, China should reform its goal of finance system. Mixed operation is must be the choice of our finance frame. Meanwhile author studing the space on law of mixed operation.Chapter 2 deals with the legal base of supervising on banking mixed operation. Aiming at shortcoming of supervising law, author analyzes that the supervisingvacuity ,lake of risk prevention mechanism and deposit insurance mechanism are the three issues of banking supervising law.Charter 3 expound the issues of countermeasures on banking supervising. To attach a perfect state, we must stipulate multi-sided and multi-tiered measures to resolve the problems of supervising on mixed operation. On the aspect of supervising vacuity, functional supervision is necessary. There should be a finance supervise institution supervising the matters that may not be supervised by banking, securities, insurance supervising institutions .On the aspect of risk controlling, we can construct "a fire wall", lay a line on business scale ,treasury scale between banking securities and insurance. Limit the common character between those three fields. At the deposit holder's protection, besides all the means above, in supervising law we must construct deposit insurance mechanism, A deposit insurance company can hold the insurance fee of banking as deposit insurance fund to compensate.