China Commercial Bank Supervision System

Currently, economy globalization and finance liberalization trend in full swing, the depth of china opening will be further strengthened, commitments which china actively fulfill to join the World Trade Organization will make further open china finance market, foreign-funded banks and china-funded banks will further intensively compete, the impact of international finance crisis has not completely eliminated, impact on industry from international finance led to a deep recession of economy in the world, in this context, this article pointed out inadequate of commercial bank supervision of China current legal system, and try to explore and study establishing the legal system of commercial bank supervision in order to adapt to china reform and opening.By studying the legal system of china commercial bank supervision, and study reform and practices of commercial bank supervision of three developed countries, in particular, through studying and learning from the practices and lessons from The United States in response to current international finance crisis, author obtain new enlightenment by comparing. On the basis of asking questions and analyzing problems, this article give reasonable suggestions which is based on china current conditions of commercial bank. Those suggestions will greatly strengthen commercial bank supervision effectiveness and cope with current international finance crises, Promote legal process of china bank supervision system.Finally, this article draw conclusion:Improvement of legal system of china commercial bank supervision is not be controversy that it is not important to choose comprehensive commercial bank supervision or not, But rather to strengthen the effectiveness of commercial banks supervision. Author give three measures. Measure one is Improving supervision mechanism of commercial banks supervision; Another measure is improving legal system; final measures is setting this ideas that commercial banks supervision is to encourage financial innovation and protect financial consumers.