| Financial supervision is that the supervising authorities carry out the effective supervision check and control to each bank and financial organizations so as to make sure the security, stability and depositors'interests of financial system. There are the broad and narrow senses of financial supervision, individually. The necessity theories of it mainly include the society profit, financial risk, security creditor's rights, society choices and so on; The objects of it are to get the final result and to reach the final aim of the supervision behavior which are the premise of the effective financial supervision and the basis of taking actions of supervision authorities; The principles of it are the independence of supervision body, the supervision respected for the law, the mixture of"inner and outer control"and paying equal attention to supervision and self-discipline, stable operation and prevention of risk and the mutual supervision between the host nation and homeland; The main content of it is the supervision of market admittance of the financial organization, market operating process and market diffusion; The model of it in organizing system is three. They are the model of the concentrating and unifying (also mixture separate supervision), separate industry and incompletely concentrating supervision.In order to research and discuss---establishing Chinese characteristic financial supervision system, we should use the succeeding experience of the developed countries for reference according to our own national conditions. U.S.A and Japan are the ones in the world, especially in the side of establishing and perfecting, we need do further research.American financial supervision obligation primarily supervises banking, securities and insurance. After the economic crisis in 1930's, American financing had gradually formed the set-up of separate industry management and supervision. These three ones are supervised by different organizations,... |
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