The Orientation Of Commercial Bank Of China Supervision Policy

Whether developed or developing countries, state banking industry as a financial core should get the most severe regulation. The steady development of banking industry is a main reason for the healthy development of the financial industry, and the development of the financial industry trends bespeak development of economic in the future. In recently, the competition of international financial is increased rapidly, the financial derivatives are becoming much more complex, and the financial risk is also increased a lot, in the new economic and financial environment of regulatory authorities. "How to improve the regulatory level of the regulatory authorities", which is the main national study now in this new economic and financial environment. All the countries think that banking supervision is very important especially after the U.S. economic crisis. As the basic framework of the Basel Banking Supervision Committee, it made a lot of regulations and guidance. This article is by studying the relevant provisions of the Basel Agreement, compared to national regulatory practice, also summed up the lack of banking supervision of China, and provides some good measures about that.This paper is mainly talk about the banking supervision's theory and practice, and also explains the meaning of Banking Supervision. BaselⅡand the latest progress mainly analysis the regulatory status of commercial banks and the major Western countries' banking supervision practices. How to adjust the pattern of separate in the global regulatory trends and supervision, and how to avoid the shortcomings of separate supervision and maintain its advantage? By comparing to other countries' regulatory models, regulatory methods and means, the ultimate aim is that find a basic framework to suitable the banking supervision of China. We should analysis the main risks facing about my country's banking system and regulatory framework, and also have to analysis the problems about banking supervision, and the ultimately purpose is that improve our overall level of banking supervision. On the other hand, there also have some disadvantages about our system of banking supervision, like most of all banks do not have the international banking regulatory standards for the qualification, so between regulatory authorities and the banks themselves must work hard together to integration with the international economic as soon as possible.The operation's risk is basic on the high debt in banking industry; it needs improve within the bank itself continually and adjust the external supervision of regulation and regulatory concepts. We know that a perfect banking supervision can protect the benefits of its depositors much better, promote rational allocation of resources and effective guard against operational risks. Therefore, development of regulatory authorities should advance regulatory policies to develop the banking industry.