The Comparative Study On Information Structure Of Commercial Banking Supervision Between China And USA

The market failure makes bank's supervision necessary. The core of bank's supervision is information supervision. It is necessary to advance the quality of information's supervision so as to improve the efficiency of bank's resource collocation. There are many books on China's banking supervision at present. However,there was rare research on the information structure of banking supervision which can be seen as a whole. Even there weren't clear or common relative concepts on the information structure of banking supervision.Firstly,this paper defined four factors(namely information sources, information transmitted channels, information transferred means and the relevant laws and rules on information supervision) of the information structure of commercial bank's supervision. Furthermore,constructed the concept on information structure of commercial bank's supervision,which is the most important premise and foundation. Secondly,introduced the characters of the information structure of commercial bank's supervision in the USA. In contrast with the American advanced experience, this paper analysed actuality and problems in China at present. The problems are as follows:(1) insufficient and unreal content, time lags and a single form on information disclosure. Lacking point on internal and external audit's contents, low professional team on audit. False media reports, information distortion, and so on;(2) overlong, narrow and inefficient information transmitted channels;(3)behindhand technology and unscientific management on information transferred means;(4)unsound regulatory information relevant laws and rules. This part is the core of the paper. The last part is to give some measures and suggestions on how to improve our information structure of commercial bank's supervision based on the deep analysis of the mature information structure of commercial bank's supervision in United States, and on the situation of our country. They can play a role in clarifying the structure's system skeleton, enriching the banking supervisory theory, improving information structure of banking supervision in China and providing reference to bettering coordination with international banks and promoting banking supervision.The characteristic of this paper was researching the information structure of commercial bank's supervision as a whole system, giving a clue on information supervision. The unique opinion on this paper lies in two sides:(1) Defined the concept of information supervision and constructed an original and all-around frame. The core of bank's supervision is information supervision. In this case, as long as constructed a frame surrounding the core supervision factor-supervision information, it is surely to improve the validity and efficiency of bank's supervision. The scope of information supervision includes information sources, information transmitted channels, information transferred means and the relevant laws and rules on information supervision. It makes information supervision more integrity.(2) The scope of information sources is expatiated by a wider angle of view. The most researches of bank's supervision were about bank's information disclosure. The author consider that the information sources of the information structure of commercial bank's supervision are as follows: bank's information disclosure, internal and external audit and media.