Supervision From The Perspective Of China's Commercial Banks To Disclose Information Studies

20th century since the 90's, because of financial globalization, more and more quickly the process of liberalization, the rapid development of financial innovation, banking regulators are only more and more to rely on traditional regulatory measures to safeguard the banking sector and the financial sector a bit of security and stability unable to, and use of market forces has been more and more countries in the banking supervisory authorities of the recognition and importance to many. Meanwhile, the Bahraini Bank event, the Southeast financial crisis, as well as this time indicated by the American loan crisis initiation's worldwide scale's financial crisis that the transparency not high is one which of substantial clauses the crisis erupts, the traditional banking supervision technology and the method have dealt with the unpredictable market risk with difficulty, besides must design and use advanced take the risk as the foundation monitoring measure, must enhance the bank information the transparency.The Commercial bank information disclosure is current enhances a realistic question which our country bank transparency urgently awaits to be solved. Enhances the degree of the commercial bank information disclosure is our country further consummates the market economy mechanism, strengthens to the bank market restraint, enhances the financial transparency the request inevitably, is our country participates in the international money market the important condition, is also the international bank supervision development tendency. The information disclosure is advantageous to the bank system's security and stability movement; it is the banking supervision effective supplement. But our country commercial bank information disclosed that the work also just started, in the commercial bank information disclosure work, many information disclosed that the question such as commercial bank should disclose which information, these information should how have, the disclosure information to achieve what kind of quality requirement, the information to disclose how the standard system should establish, the information to disclose the supervision implementing agency the standard and the coordination and so on urgently await to be solved.Full text through our country commercial bank information disclosure system's development present situation elaboration, including: our country commercial bank information disclosure development process; our country commercial bank information disclosure supervision system; based on our country commercial bank in 2007 annual report's empirical analysis, has analyzed our country commercial bank information disclosure existence question and the origin. Unifies our country commercial bank information disclosure the question and the reason, to consummates our country commercial bank's information to disclose that proposed suggested as follows: 1st, standard commercial bank information disclosure content; 2nd, consummation information disclosure procedure request system; 3rd, consummation disciplinary punishment mechanism and control system's construction; 4th, strengthens in the effective information disclosure system function process macroscopic and the microscopic environment construction; 5th, consummation information disclosure quality rating indicator system and information disclosure system stipulation; 6th, between coordinated commercial bank business secret and information disclosure contradiction.