Study Of Association Of Commercial Bank Lending Regulatory Regime

The Banking is the core of the modern economy, and its development promotes the economy growth. The Banking is also important to a country's economy security. In reality, our country's Commercial banks have many related lending service, and the amount of the transaction is quite huge. These transactions have enormous harm to the economic security of a country and the stable of the finance market. The risk of the Commercial bank's related lending has revealed day after day. The disturbance of the Hainan Development Bank's bankrupt and the Chengdu city commercial bank's related lending transaction made the supervisor who take the related lending question seriously. As a feedback to the reality, how to solve this question is a urgent need. So how to reinforce the supervision of commercial bank's related lending is a reality and foresightedness question which is important to our country finance development and stable. But, when we only take the supervision seriously, may neglect the profit of the related lending, as reinforces the information share and reduces the transaction cost. The absolute control may deprive the right of the lending of the related people and limit the bank's management scope. So distinguish the different between the normal related lending and the non-fair related lending is the way to realize the effective supervising and managing.So, before us solve this problem, We first in the first chapter, briefed related parties, the definition of related loans, as well as characteristics of the specific loans and related regulatory system.. And then, in the second chapter, I focus on foreign loan association regulatory system development experience and history, and for a comparative analysis, and ultimately reflect on how to combine the reality of our country with Chinese characteristics Construction loan association regulatory system. In the next chapter, I constructed the problem of the present stage of China's main loan association regulatory system. In the last chapter, I made some recommendation for these problems.