| Under investigating the system, characteristic , concrete content and prerequisite of the development trend in the future of international financial supervision, this text is to point out the existing problem in financial supervision of China and combine the analysis reason on the basis of analysing the current situation of China's financial supervision objectively , to integrate with the international standard in supervision standard and supervision means ,etc. after accession to the WTO, to explore the financial regulatory system which accords with the China's actual conditions .The full text is divided into four parts altogether: First part::The common supervision principle in WTO agreement and its applying in China.This part quotes the most influential international financial supervision principle--" effective key principle that bank supervises " that society approve border, brief to sum up bank risk , discretion supervision principle , supervision means , information requirement . After the accession to the WTO of China, explains the impact on our country's financial supervision of main clause of " key principle " will be incomparable,analyses our country and disparity of international standard from the six respects-the standard of capital of the bank, legal foundation of financial supervision, modern financial supervisory system, the supervision levels of financial supervision authorities and technological guarantee, various countries supervise information sharing of authorities and cooperate and financial institution unified credit assessing, points to expand finance and strengthen financial supervision organic to combine, correct to deal with finance develop and take precautions against relation of financial risks , and take various kinds of measure to check financial crisis erupt and guarantee the financial security and economic security on one hand, put the foothold in developing on the other hand, to develop finance and promote the overall development of our economy. Second part:The challenge faced by the divided supervision in China finance On the basis of analysing China's finance regulatory system and supervision pattern objectively, points out the institutional defect existing on the system. Our country is in economic transition period at present, the market-based degree is not high, banking system and enterprise's system are not perfect enough, so the financial supervisory system has certain defects, displaying it in the administrative interference of the local government mainly, information opaque openness bad, regulation system imperfect, administration structure and risk management of financial institution in Incongruity with the outside supervision, causing the non-performing loan of state-run commercial bank to be too high in proportion, some financial institution can not pay one's debts with all his assets until closing bankrupt, though has supervised the authorities , taken some positive measures of dissolving the risk and made certain achievement, but because the institutional defect has not been changed at all , the problem left over can't be solved totally. The third part:The spreading of international financial risks and international financial supervision cooperation On the premise of analysing international financial risks characteristics, this part explains the current situation of the main national financial regulatory system in the world of brief introduction , has described the development trend of international financial supervision: The goal of financial supervision trends towards the peace and steadiness; The structure and technology of international financial supervision face new change and challenge; Standardize banking's credit risk management further; The centre of financial supervision begins to turn to the Security market . The fourth part:Reform direction of financial supervision system in ChinaIn the past few years, the financial supervision department made the rich achievement in taking precautions against and dissolving financial ris... |
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