The Context Of The Financial Crisis, China's Commercial Banking Supervision

With the deepening of globalization, the finance has a rapid development, and the financial sector internationalization advances, but the financial risks increase frequency. U.S. subprime crisis triggered by the financial crisis needs attention.Based on the basic theory of financial regulation, the article outlines a few basic aspects of banking supervision.The article mainly deals with the concept of banking supervision, monitoring systems, history of banking supervision and theory of the theoretical development of banking supervision. This paper mainly describes the history, status and problems of Chinese commercial bank supervision. U.S. Financial crisis inspired China's commercial banks supervision. And we can improve the supervision of the proposed commercial banks in China. Although commercial bank supervision constantly is improved, but there are some problems:First, our country lacks supervision of commercial bank supervision system to the supervisor. Second, the commercial bank supervision tool is not perfect. Thirdly, the contents of commercial banks are some problems in supervision, such as supervision of market operation, international regulatory and market exit regulation. Fourth, regulatory coordination mechanism is still not perfect. Fifth, the idea is behind the regulation of commercial banks, regulators need more line technology.So the regulation of commercial banks in China should do the following aspects: First, regulators must strengthen the supervision and monitoring to supervisor. Second, we must establish a perfect tool for our business banking supervision. Third, we must strengthen the supervision of commercial banks to content. Fourth, our country ensure coordination of financial supervision mechanism to be smooth operation. Fifth, the regulatory approach should be based on functional regulation. Sixth, our country must update the Basel II to resolve the issue along cycle. Seventh, we must change the regulatory philosophy, and update monitoring technology, and improve the efficiency of supervision of commercial banks in China.