The Research On The Validity Of The Bank Supervision Apon The Openness And Competition

Our country banking industry faces the comprehensive opening competition pattern after entering the World Trade Organization, the banking industry and bank supervising and managing receive the stern challenge. Therefore the supervising and managing authority should size up the situation, judges, promptly sees clearly the new situation and the new question in advance;and meet the international standards, comprehensively promotes the supervising and managing idea and the method, provides the broader development space for the commercial banks.The bank supervising and managing valid theory is the theory basis to analyze our country bank supervising and managing validity. Carefully combs the bank supervising and managing theory, we can discover from the traditional supervising and managing theory to modern supervising and new managing theory, although the research angle and conclusions are some different, but all of these follow one basic thought, that is the meaning of " the validity " to the bank supervising and managing obtains the development and the promotion in through benefit increase or cost reduction. Supervising and managing cost is the key point of the valid theory analysis, specifically including the cost of obeying the law, the moral risk and the efficiency loss and so on.Carrying on the profound analysis to our country bank supervising and managing present situation and the existence question, the article thinks the current key to restrict the validity of bank supervising and managing lies in supervising and managing cost is oversized particular in indirect efficiency loss. The supervising and managing idea has the instruction function in modern bank supervising and managing. In view of the present situation that the idea of our country supervises and manages is comparatively backward, therefore, the article proposes we must embarks from improvement and promotion supervising and managing idea, fundamentally enhances our country bank supervising and managing the validity.Based on the supervising and managing valid theory and the reality analysis, the article establish market gambling model between supervising authority and the banking, analyzes the influence factors in the most superior decision balance of the banking and the supervising and managing authority, and obtains the corresponding policy meaning. This conclusion is obtained for the foundation as taking the valid theory analysis, therefore it has the certain theory and the practice value.According to above theory and the present situation analysis, from the angle of increasing supervising and managing benefit and the reducing supervising and managing cost, the article proposes the basic frame to construct our country bank supervising and managing valid system. This frame is designed in view of existence question to our country banking industry and the bank supervising and managing, at the same time synthetically considered and profited from the international bank supervising and managing valid theory and the development, therefore the frame has the certain theory and the practice value.