China's Listed Banks, Regulatory Model Study

The capital market is new and developing in China, especially, listed commercial banking regulation is under its initial stage. Some fundamental problems such as how to summarize the experiences and construct the right regulation system need more research. To choose the right regulation system applicable to domestic circumstances will be helpful to realize the effective supervision for listed commercial bank in China. It can also promote the process of being listed for commercial bank. The author chooses listed commercial banking regulation as his research object and makes the research more meaningful both in theory and in reality.Listed commercial bank is a kind of special financial listed cooperation. Currently, in China separate regulation system is put into practice. That is to say, China Banking Regulatory Commission is responsible for the commercial banking regulation, while China Security Regulatory Commission is responsible for the listed company regulation. Besides, the central bank takes some responsibility of Listed commercial banking regulation and management. This kind of regulation system exists many problems such as different regulation standard, duplicate regulation, artificially raised cost, lack of unified information disclosure standard, heavier burden for listed commercial bank, difficult to handlethe risk of financial holding group, etc.Together with the long development course of listed commercial banking regulation in western countries, combining the generality of financial regulation and the individuality of listed commercial banking regulation, four main regulation system come into being: solo regulation, primary supervisor regulation, separate regulation and umbrella regulation.On the basis of not re-construct the present regulation system, considering cost, benefit and domestic circumstances, the applicable one is primary supervisor regulation system for listed commercial banking regulation in China. To reform the listed commercial banking regulation by this train of thought, we'll definitely have broad space for further development.