The Problems And Strategies That The Banking Regulatory Commission Have To Face Under The Background Of The Finance Opening

The year of 2007, the sixth year since our country joining the WTO, is the first year after five-year-interim promised by finance industry of our country. According to the promise of joining WTO, the banking of our country will fully open the RMB business for foreign banks. In this context, the banking of our country is facing tenser competition in the market. Therefore, this places higher demand on our country's banking supervision and control. Besides, along with the opening to the outside of finance industry in our country, the change of global finance will influence our country's finance further, and the change of global financial environment and new trends of international banking supervision and control will place new problems in front of our country's banking supervision and control. Facing the new environment, how to build effective supervising and controlling framework for authority of our country's banking supervision and control is an urgent and huge mission for them.In this dissertation, after reviewing the supervising and controlling development for our country's banking, the author has found out the main problems for our country's banking supervision and control in the environment of finance opening: firstly, the influent international capital makes the banking system of our country more frangible. Secondly, the expanding foreign banks increase the difficulty of banking supervision and control. Thirdly, the banking innovation accelerates the expanding scope of banking supervision and control. Fourthly, the trends of mixture for global finance industry increase the difficulty of banking supervision and control. Fifthly, the international standard link might bring risks in the system. According to the problems for our country's banking supervision and control in the environment of finance opening, the banking supervision and control should be resurveyed, and effective countermeasures should be carried out to perfect the supervising and controlling system of our country's banking. Through the analysis, firstly, our country should change the traditional banking supervision and control principles, which means achieving changing compliance supervision and control to risk supervision and control step by step and changing prudence supervision and control by government to market-based supervision and control. Secondly, our country should seek countermeasures from banking inside supervision and control, further perfect the supervision and control towards foreign banks, strengthen banks'inside control, achieve risk-based supervision and control, and enhance the coordination and cooperation of banking supervision and control at the same time to avoid supervising and controlling vacuum. Thirdly, our country should perfect the outside environment of banking supervision and control, perfect the law system for supervision and control, perfect information announcement in banking, and enhance the troop construction for banking supervision and control.