Researches On Main Problems And Measures In Our Bank Supervision Policy

Bank is the principal part of Chinese financial system, whether which is stable or not plays an important function in the trend and future of Chinese economy. However, bank is a kind of special trade, and in which there are all kinds of risks. If these risks are not controlled well, it is possible to cause the financial crisis, economic crisis, political crisis and even national crisis, which would have the great negative effect. Because of these, financial supervision relying mainly on bank is arousing high attention. And to investigate the present existing problem and to find the better bank supervision policy look seems be a realistic and urgent subject. Under this background, this dissertation is to take the bank supervision policy as the research focus and tries to investigate the present existing problem and to find the better bank supervision policy. In chapter three, the dissertation investigates the current situation of the bank and supervision in our country, because bank is the realistic basis of the drawing up and implementing of the supervision policy. This part expounds the present situation of our bank on the basis of scale and benefit, market structure, liquidity proportion, and so on. And it brings forward that our bank have some traits such as benefit not well, market structure irrational, and a abundant of bad property etc. In chapter four, the dissertation demonstrates the present existing main problems of the supervision policy in our country. This part firstly surveys and studies on our supervision policy in bank entry on the basis of regulations on bank entry, regulatory restrictions on bank activities, and initial capital. Then it studies on our implicit deposit insurance system applying the theory of the uncertainty economics. At present, there are some main problems in our supervision policy: regulations on bank entry and regulatory restrictions on bank activities are too strict; be not explicit deposit insurance system; Lender of Last Resort is not perfect; the mechanism of withdraw from the financial market has not been taken shape yet etc. On the basis of the former chapters, the chapter five puts forward some advices about perfecting our supervision policy. Strictly control the quality of the applying for entry bank in order to prevent the not up to standard bank from destroying the stability of the banking system in our country; progressively relax the regulatory restrictions on bank activities in order to promote the development of bank in our country; establish deposit insurance system, making the government's conceal assure betrayed and institutionalized; Lender of Last Resort and the withdraw from the financial market policy camera to choose. In addition, in order to make our bank supervision policy play a more effective role, the chapter six puts forward some advices about bank supervision, such as upgrade the idea of the bank supervision; strengthen the supervision legal construction; perfect the regulatory system etc.