The Institutional Analysis On Chinese Banking Supervision

The China Banking Regulatory Commission was formally established on April 28, 2003. To a certain extent, the foundation of CBRC shows that the Chinese Banking Regulatory comes into a professional and international track. Because of historical reasons and the development of China's financial system, at this stage, China's banking supervision is not only the same with international issues, but also its peculiarity of special economic system and political system. The situation decides the unusual difficulty about the China's banking supervisory, the situation is also very complex, The input also inevitably increase the supervision, The banks supervision are facing the problem of the banking industry, also facing the regulatory issues. Our country is in a systematic adjustment age, it is powerful to explain the economy reform history and process by the new institutional economics. It is necessary to research and study the method in lower trading expense by the new institutional economics.The article from some different aspects discusses banking supervision which is the establishment in China, its development trail, some times adjustments in its internal mechanism, and the current situation and problems existed. Finally, the article put forward some suggestions based on the research. The article indicates the theories of banking supervision and produces the theory of transactional cost etc. The article points out above-mentioned theories carry on with different views to explain the question, and getting the same conclusion. That is the economic and financial system is related. The United States, Germany and Singapore take up special features in the banking supervision, it is not only to develop of international new trend but also reflect the general regulation of development. After analyzing the banking monitoring system in China, the article points out some restrict elements behind the supervision problem, and made a analysis to China banking supervision system in mechanism, cost, activity. Finally, the article view that China should boldly reform the arrangement of the supervision system to cope with the shortage existed in banking supervision mechanism and arrangement of property right of bank .due to China has not enough enforcement in bank supervision, the article boldly put forward some constructive suggestions...