A Study On Problem Of Supervision Of China Banking Post Financial Crisis Era

In the second half of year 2008, the US subprime-crisis became stronger and stronger and changed into a world-wide financial crisis. Each kind of financial products market in America had surfed the biggest hit and frustration in its history. At the same time, the turbulence in financial market had been passed to the real economy by fund, credit and market expectation, which made the real economy have a tough time. Because today there were close relationships among all economy areas in the world, this crisis extended gradually and had affected the world main financial markets in EU and Japan, which made the economy and finance of these countries and areas had severe recessions. These recessions cut strongly the demands of developed countries, which brought bad affections on the trade to the developing countries who made export as the main way to economic growth.The meanings of this paper lies in that this crisis should make us be aware that the inherent externalities and public of the banking system should not be ignored, at the same time, the free market conditions can not make sure that the banking section has a healthy development, and the efficiency of this section can not be improved automatically. This progress should be supervises by relevant departments. The loss crisis bring to us is disastrous, for the banking section of China which are opening to the world, reasonable and scientific regulatory is especially a powerful guarantee on the direction of the China banking section.This paper has five parts:The first part:introduction. This part introduces the background, meanings, framework, study methods, difficulties, innovation and shortage of this paper, and makes a paper concludes on the relevant studies.The second part:the reason and affection of US subprime crisis and the importance of financial regulation. This part made the world financial crisis caused by the US subprime crisis in 2008 as the background, and found out the necessity of banking regulation through exploring the cause of the crisis and the impact on the financial system.The third part:the new content of bank regulatory reform in developed countries after the world financial crisis and the enlightenment on China banking regulatory. This part introduces the enlightenment on our banking regulatory the reform carried out abroad brings to us by understanding and analyzing the banking regulatory reform carried out in developed countries after the world financial crisis and explaining "The Basel agreement III".The fourth part:China's banking supervision problem analysis after financial crisis. This part analyzed the supervision problem existing by the present situation of banking regulation and the influence of China's banking industry the financial crisis had brought to us. The issues of "The Basel agreement III" made China banking section restrain credit expansion and brought the synchronization of Loans and liquidity and ordeal faced by the banks in downside economic environment.The fifth part:the measures to improve our banking supervision after financial crisis. With the development of finance and economy, the trend of global integration will ask us to have a clear understanding on this crisis, strengthen the alert and review our problems. We should succeed in preparing for a rainy day, and nipping in the bud. At last this part puts forward the measures to improve our banking supervision after financial crisis.