| Domestic financial risks are gathering constantly in our country. It is a focal point for financial supervisors to take precautions against systemic financial risks. In order to predict and take precautions against financial risks, it is necessary to improve the validity of financial regulation and supervision. Cost and benefit analysis is the approach to study how to improve the efficiency of financial regulation and supervision. In the frame of cost and benefit analysis, there are two choices to improve the effectiveness. One is the cost control , and the other is to increase regulation benefit. Finance develops with society and economy, so the cost of financial regulation and supervision has its intrinsic increasing rigidity. Whether to reduce the cost or not, we must give consideration to the stability of finance. It's practicable for us to focus on how to take effective measures to improve the efficiency of financial supervision without raising the present cost.With the supervision goals established, the supervisor uses a series of observable intermediate indexes to test the deviation between the reality and the supervision goals. According to the comparison outcome, the supervisor decides how to adjust the deviation with corresponding measures. Because of asymmetric information and the contradiction between the individual rationality and the collective rationality, imperfect information of financial regulation and supervision exists in financial regulation . The supervision measures are based on the deviation observed, so the supervision effect is subject to the information efficiency. Information restriction becomes the bottleneck of improving financial supervision effectiveness.Information technology is the important means to improve information efficiency. After a comparative study on the financial supervision informationalization of developed countries such as the USA, UK, Japan and so on, this paper brings forward countermeasures according to the present status in our country. That is, a countrywide financial supervision information system with unified layouts should be established as soon as possible. There are two kinds of basic technology to establish the information system of financial regulation and supervision, one is the network technology, the other is the data warehouse technology. At the end of the thesis, according to the business demand for financial supervision of our country, the writer puts forward the systematic frame of theinformation system, and provides the corresponding suggestion on the network and data warehouse on the technological aspect. |
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