The Discussion On Problems After The Direct Supervision Functions Was Separated From The Central Bank

March 10th,2003,China Banking Regulatory Commission (CBRC) was built, symbolizing that the People's Bank of China of our traditional banking regulatory principal part gradually diminish lessen from China financial supervision structure, and that finance division regulatory system can be formally established after the ultimate separation between the economic policy and banking regulatory. During the past six years, the professional level of China banking supervision and anti-risk both have appreciated a lot. At the same time, we should also pay attention to the disadvantage appeared in action and coordination stage after the ultimate separation of the economic policy and banking regulatory. This text is trying to analyze these problems and adopt a measure to solve it. In addition, it is useful of independence and coordination between Central Bank and Banking Regulatory Commission, and also better to bring their function into play.Beginning with that supervision function separated from Central Bank family, there are two points of view about it:one is to support the division, the other is to disagree it. So it refers to what the achievement the Banking Regulatory get and where the disadvantages are after the establishment of it. The essential points of this thesis is worked at the concrete issues on the division of supervision function in the front three chapters, including the increasing of supervision function cost, the different views of power ranges between People's Bank and Banking Regulatory Commission, and forth more, the supervision responsibility of People's Bank as the last loan side. Then the author put forward some suggestions to make it better. Finally it is to jump to conclusion.In my opinion, People's Bank and Banking Regulatory Commission have the same macroscopic aim; still, there are three problems we should take notice of. Firstly, the supervision costs have appreciated recently after the establishments of Banking Regulatory Commission, for the fixed costs and coordination costs have increased. At the same time, we should aware that it contributes to social business costs if supervised banks bear some part of supervision costs. What's more, the supervision profits can cover the supervision costs. The second, People's Bank and Banking Regulatory Commission have natural contacts in concrete business when they are in practice work not only on the stable macroscopic finance, but also on the microcosmic financial supervision. Not such as is seems that People's Bank and Banking Regulatory Commission have different ranges and function, the have been making joint efforts on coordination system, information sharing and united supervision standard. Thirdly, as the loan side, People's Bank should fully comprehend the concrete management situation of banks those under threat, on basis of which can support help. So, Banking Regulatory Commission should try hard to cooperate with People's Bank to supervise financial organizations such as banks.In short, People's Bank and Banking Regulatory Commission have made joint efforts on information sharing system. It means that the professional coordination office and untied meeting should be brought into play for the purpose of reducing the supervision costs and raising the supervision efficiency. That is the ultimate aim. What can we do to avoid these problems that appeared during the revolution also to solve them? It is an important and complicated problem. Many professors and scholars have different views. So discussion of this article needs to be further.