Policy Banks And Commercial Banking Business Legal Harmonization Of Conflict

In a country, the policy banks and commercial banks are important financial institutions. They are symmetrical with each other, parallel, side by side and complement each other, form a complete and unified the country's financial system. Between the two financial institutions, the issue of the coordinated development is essential. To some extent, affect the entire financial system and financial sector development as well as market economy reforms and implementation of national macro-control. However, in the actual operation of the two, there are some discords of the phenomenon:the policy banks take advantage of capital, information, interest rates and loan terms of absolute advantage to compete for business with commercial banks. And, as countries on the role of policy banks, more and more attention, and policy banks because of their own development needs of its growing scale of operations, This disharmony showing a state intensified. This phenomenon exists not only in violation of WTO principles of fair competition, causing the destruction of the ecological balance of the existing financial, but also led to macro-control policy banks, the low efficiency of the market economy, and ultimately not conducive to the goals of the policy banks.China's policy banks have been established for 17 years, but China has yet to have a specific law to regulate it. The legislative model is "legislation first" in most countries abroad, compared with them, policy banks in China on a serious shortage of supply of legislation, legislative delay and serious gaps. The Important one of reasons which leads commercial banks and policy banks business conflict is a serious shortage of supply legislation. In addition, China's policy banks, there are still patterns of poor supervision and inadequate agency problems. These problems are important reasons which lead to business conflict between commercial banks and policy banks.Based on the above problem exists, The author proposes to solve the conflict between the two operations are related to measures:The first is to learn from advanced foreign legislative experience, accelerate the formulation of policy banks on specific legislation to increase the supply of law; The second is to strengthen the supervision of the two business operations:to clear the regulatory supervision of the subject and indeed the content; The third is the introduction of new business coordination mechanism, establish and improve the existing principal-agent model. Hope to put forward through the above measures for China's policy banks and commercial banking business of conflict resolution for some useful exploration. This study hopes abound for the practice of policy banks and commercial banking conflict of measures to provide some legal solution to a clear policy banks and commercial bank functions and scope of business. Also, to clarify some policy banks exist in the development process of some errors of theory and practice, policy banks for the future introduction of legislation to.