The Study On Banking Supervision Of State-owned Commercial Banks In China

At present, financial revolution whose main features are financial liberalization, financial integration and financial innovation have changed the bank's living space. Especially, because many developed countries and developing countries have experienced a very serious banking crisis after the 1990s, strengthening banking supervision, prevent and resolve such risks of the banking sector has been general concerned by banking supervisory body and international financial regulatory authorities of all countries. In our country, financial industry was fully liberalized in 2006. At same time, China's state-owned commercial banks have actively carried out a series of financial reform measures, particularly the reform of the financial system, such as, joint-stock reform and constantly improve the corporate governance structure. Therefore, how to strengthen the supervision of state-owned commercial banks, improve the banking system and improve regulatory efficiency and safeguard the stability of the banking industry under the new situation, has become the urgent and critical issue of our banking supervisory bodyPBC and the CBRC are major banking regulatory agency in China. They are our government conform to the banking industry's development trend of continuous improvement of banking supervision and with heavy administrative color. The issue of banking supervision was studies form the administration perspective in this paper, and standardized analysis, empirical analysis, historical analysis and other research methods were used. The existing problems of China's state-owned commercial bank supervision were analyzed comprehensively according to problem-asking, problem analyzing and problem- solving principles. Some advice was proposed and in the hope of doing some meaningful research to improve our government's banking supervision.The basic theory of banking supervision was discussed in this paper. Then the actuality and problems of commercial banking supervision were analyzed. We believe that there are not sound or even missing in the banking supervision system, monitoring tools and internal control mechanism, market environment and personnel management, etc. and proposed some solutions such as: construction of the scientific system of banking supervision; establish a good market constrained environment; deepening reform, strengthening internal control; improve the quality of personnel, etc. We also found out that, with the development of innovative financial, to achieve better government monitoring results banking supervision system needs innovations and also we need to strengthen the regulation of the legal system, promote the coordinated monitoring mechanisms and improve the site and off-site monitoring system and constantly improve the level of banking supervision.