China Banking Regulatory Research

Combining the theoretical and practical researching method, this paper explores the main problems existing in the banking supervision. It includes three chapters:The first chapter is the full view of the banking supervision. In this chapter, firstly introducing the theories of the banking supervision. Secondly analyzing the subject, the financial institutions. Thirdly analyzing content and methods of the supervision. Finally analyzing the cost, revenue, efficiency of supervision.The second chapter is the situation of the Chinese banking supervision. In it, the author analyses the success of the banking supervision for the last years, also situation of the supervision combining the financial institution, the banking supervision system and the social supervision condition by studying practice.The third chapter is the improvement of the Chinese banking supervision. Due to the defects pointed out in the second chapter and the domestic and international condition, the author puts forward much suggestion, many methods and solutions to improve our banking supervision in four aspects including supervision ideas, supervision functions, supervision systems and supervision mechanism.By analyzing above all, the author gets some conclusions:The first, the banking supervision is necessary because of not only the imperfect of financial markets but also the financial market failure. This concept is also right viewed from the financial innovation. This is more important for china because china is absent of the strict of the market economy.The second, the author thinks it is a good ideal that the government divides the banking supervision from the central bank and be strengthen three touching conference mechanism. And also thinks the united supervision is the orientation of our country banking supervision.The third, the author points out a chart by analyzing cost, revenue, efficiency of supervision. If the bank action is close to the banking supervision goal, we can say that the supervision has gained good effect.The fourth, the imperfect ownership of banks, poor self-control, the grave defect of prudential supervision, poor ideas of banking supervision, the defect of supervision designing, and especial the active fact -man are the bottlenecks of the Chinese bankingsupervision.The fifth, innovating the supervision ideals on time, adjusting the supervision systems, perfecting the banking management structure, insisting on prudential management and prudential supervision are the sole road to the effective supervision in china.