| Bank supervision are measures adopted which will insure that the bank runs prudently and keeps enough funds and reserves to resist the business risk.. Although inhibiting and obstructing the development of the banking to some extent, bank supervision promotes bank system to compete fairly and efficiently on the safe and stable foundation.The target of bank supervision is to create a kind of high—efficiency management mechanism, which can encourage competition, urge the bank service to be systematic to operate more smoothly in the market economy and gradually to pay attention to the supervision of bank efficiency.Along with the rapid development that our country enters the Word Trade Organization and the financial globalization, it is sure that the banking will be faced with huge competition pressure, and bank supervision will confront new challenge as well. Therefore, while pushing on the reform of bank and bank supervision, we should attach importance to the validity of bank supervision and the improvement of supervision. The Constitution of Bank Supervision was established on April 28, 2003, which symbolizes the end of the history that the Center Bank has to act as several roles for twenty years. Certainly, our financial system will go into a new period from now on. In the recent two years, The Constitution of Bank Supervision has done its utmost to maintain the consecution and stability of supervision work, promote the innovation of supervision mechanism and the construction of law system, renew principle and perfect supervision means. While seeing the achievements, we should recognize that the efficiency of our Constitution of Bank Supervision has a long way to catch up with that of the developed countries. There are plenty of problems and obstacles that influence the improvement of the bank supervision efficiency. Therefore, this article thinks that it's of important theoretical meaning and realistic value to supervise effectively commercial bank appropriately. |
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