| The personal financial service of commercial banks is a comprehesive and characteristic business of banks which integrate bank and customer relationship management, fund management with investment portfolio management.An effective supervision of the personal financial service of commercial banks plays an important role in the further development of commercial banks'personal financial service. it is also important in avoiding financial risks.A thorough research into the effectiveness supervision of the personal financial service of commercial banks in china has been conducted in this dissertation An analysis of the development stages of the personal financial service of commercial banks in China was done using of the principles of Finance Regulation Law .The conclusion shows that the effective supervision to this business could only be done following the idea of financial supervison follow-up with financial business.Current situation of ineffectiveness supervision was studied and the reasons of supervision inadequacy was found out. This dissertation conclude that the way of controlling legal risks in this business is the basic method.The significance of legal risks and special problems of the development in the field personal financial management of commercial banks in China was discussed using relative theory in Contract Law.Using of the theories of effective supervision , Finance Law and Economics, the way to achieve an effective supervision in this filed was also discussed in this dissertation and some suggestions on how to improve the supervision departments have been put forward.This dissertation was consisted by the following chapters Firstly, a summarization of the existing studies on supervision of personal financial service of commercial banks has been done and the development stages of the supervision in this filed has been devied.Analysis of the development process of personal financial service of commercial banks in China and the development of supervision of this business in commercial banks was done and a conclusion was made saying that the supervision system shall follow up with the development of business. The enlightments of supervision system of United States is that the supervision of this business shall in line with the national conditions and strive to achieve effectiveness supervision. The existing problems and the reasons of ineffectiveness supervision was analyzed. Secondly, this dissertation discussed the basic methods to achieve the effective supervision of personal financial service of commercial banks. Analysis of the specialty of risk structures of this business, including the innovation and particular risks of this business, and analysis of the significant legal risks in this business. The ways to access effectiveness supervision , including supervision on the illegal investment the inadequacy of risk warning Thirdly , the realization of effective supervision of personal financial service of commercial banks. The Economics and Finance theories establishment of effective supervision was analyed.The effective supervision system,including making the effective ss supervision into the legal system and creating the supervision system The suggestion on how to improve supervision,mainly about the governmental regulation and supervision, the industry self-regulation and internal risk control supervision department was put forward.Effective supervision of personal financial service of commercial banks is an important subject.The innovative products come out faster and faster making their structures and inherent risks more and more complex The ever-changing financial and economic situations also makes it necessary to adjust the way of supervision, improve the supervision law so as to obtain the aim of effective supervision. |
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