Research On The System Of State-owned Bank Supervision And Construction

Finance is the core of modern economy, banks in the financial system of a country plays an important role. State-owned banks have the particularity of the generation and background, in China's national economy played a pivotal role. After 20 years in the progressive reforms as the State-owned banks, Bank of China\ Construction Bank of China and Industrial and Commercial Bank of China joint-stock reform of the full swing and the joint-stock reform,Agricultural bank of China launched the reform entered a substantive stage of change reform, aimed against the "capital adequacy, which tight control, operations security, services and benefits are good, modern internationally competitive joint-stock commercial bank." the four basic steps in the reform line is: joint-stock financial restructuring, then introduction of strategic investors→publicly traded this capital from state-owned banks and the corporate governance of the special analysis, obtained by joint-stock reform of state-owned big four banks is the government's power to control the specification. Joint-stock reform of state-owned banks is to improve the core content of the four lines of corporate governance. Through the development of international regulatory incentive compatible regulatory objectives, development of state-owned banks in China covering government regulation, banking institutions internal control, market constraints and other factors of effective banking supervision system. This paper analyzes the state-owned banks of China, state-owned banks and the supervision of special history, and the existing problems, combined with banking supervision on the comparison of Western countries learn from China on how to build effective banking supervision system for a useful discussion. Details are as follows:Preamble, and briefly introduces the research background and significance of this article, and research from the state-owned banks, state-owned banking supervision of the research status of state-owned banks to do a review, and finally writing this article thinking about accountability.ChapterⅠ:describe the special historical background, and institutions to study the state-owned banks and development of the origin of logic, and finally through the reform of state-owned bank capital and shares of the particularity of critical analysis of corporate governance.ChapterⅡ:reviews the history of China's state-owned banks control the process of evolution, from the government, market, summed up the state-owned banks own the practice of the state-owned bank supervision existing problems.ChapterⅢ:introduce and comparative analysis a number of Western countries in terms of banking regulation, and described the West Bank supervision of the Enlightenment. Chapter N:discuss from improved external supervision, internal control and improve the banking institutions to strengthen market discipline and other aspects of how to build efficient banks in our regulatory system.The main contribution of this paper:the historical analysis by state-owned banks have come to the logical and specificity; by weakening depositor monitoring Empirical Analysis of supervisory intervention to taking stock of corporate governance as the core of the transformation; propose the direction and supervision of incentive compatibility concept building an effective regulatory system.