On International Comparison Of Regulation And Supervision On Commercial Bank Between China And Others

With the gradual promotion of the reform in banking system of our country, financial regulation and supervision as the function of financial responsible institution causes the extensive concern about domestic financial theory circles and the business circles more and more, especially the bank regulation and supervision even more and has been raised to the important schedule of financial supervision. But the study on the commercial bank regulation and supervision usually focus on some aspects, for example capital sufficient rate, how about supplement of the capital, how to reduce the non-performing assets, whether set up deposit insurance, etc.. Moreover, carry on to systemic research of commercial bank regulation and supervision has obvious deficiency. This paper just consider this situation, regards global economic integration and financial liberalization as the background, try to establish the supervisory system frame of bank regulation, carry on systematic comparative analysis to the supervisory system frame of our country and developed country, and suggest the reference. Combine the reality of our country with the development trend of international financial supervision, put forward and set up the idea that our country unifies the financial regulatory system. This paper includes four parts that are divided six chapters. The first part, namely, chapter one, is the foundation of the study. The chapter one introduces the background, purpose and meaning, the train of thought and ways of writing, generalize and describes the newest research fruit about the commercial bank regulation and supervision, as well as put forwards the innovation points. The second part includes the chapters from two to four, which comparison the commercial bank regulatory and supervisory systems of our country with the developed country's. Set up the systematic frame of commercial bank regulation and supervision, that is institutional framework system, governing control system and risk warning system. Chapter two, the institutional framework system provide contents by comparing the different mode of supervision, Central Bank supervision and independent organization supervision and choice basis of institutional framework mode of bank regulation and supervision. Chapter three about the governing control system it is a safety net which protects the bank, including the normal means, deposit insurance system and the lender of last resort system. Chapter four is on the analysis of basic structure of risk warning system and ways of setting up risk warning system, compares the characteristic and functions of the existing risk warning systems. Chapter five the third part of this text, this part is on the basis of two the first part comparative analysis, put forward the significance of its referential use to China for building up bank regulatory and supervisory system. Institutional framework system and governing control system are aim to the deficiency of our bank regulation and supervision, offers reform plans and policy suggestions for our country, especially try to set up the early risk warning system of our country, and analyses the real example. Chapter six the fourth part of this text, research the change trend of the international financial system, analyses of the implement reason of financial reform; build up the blueprint of financial regulation and supervision in the futures. Conclusion: 1. The commercial bank supervisory system than can reduce the possible of crisis take place is the main content of bank supervisory system reform of our country. Foreign experience is have a sound, effective institutional framework system, the normal governing control system and control risk warning system, this has meaning of using to system reform of our country's commercial bank. 2. The bank regulation and supervision has not the best scheme at the global, the diversified characteristic appears in the supervisory system of bank all around the world. Various kinds of different management system and different regulatory system have a successful instance to make up, the more important thing is to choose regulatory systems accord with one's own national conditions. 3. The united regulatory organic frame is more benefit in improving quality and efficiency of financial supervision. Therefore, the developing direction that the bank supervisory institutional framework is trending to supervise in unison, this is a kind of trend which any countries and regions can't change under economic globalization and financial globalization condition. As the economy and finance of our country begin to develop, and the accumulation of supervisory experience, the time that our country realizes mixed operation and supervision in unison can not be remote.