Study Of Commercial Bank Regulatory Law

As the main body of China's financial sector, commercial banks have played an important role in the development of the economy. With the deepening of economic globalization, financial innovation in large numbers and the global spread of financial crisis, countries in the world attach great importance to their commercial banking supervision, and constantly improve the regulatory system to respond to financial risks. This paper is based on theoretical analysis of commercial bank supervision and elaborated on China's commercial bank supervision and to highlight the existence of the following issues:withdrawal of commercial banks from the market is not yet complete, deposit insurance system is absent, the regulatory system can't cope with financial innovation effectively and legitimate rights and interests of commercial banks'consumers have been compromised. The latest U.S. financial reform is a big inspiration to resolve the legal issues of Chinese commercial bank supervision. On the basis of analysis of trends about financial reform in the United States, the paper puts forward the improvement countermeasures to resolve legal issues of commercial banks supervision.