A Study On The Problems And Countermeasures Of The Supervision Of Commercial Banks In China

As a core component of our financial system,Commercial Bank’s robust operating or not isrelated to the lifeblood of the national economy.Whether Commercial banks can be sustained andhealthily developed is not only an economic issue, but also livelihood issues.In the context ofdeepening financial reform and the increasing degree of opening,Commercial Banks are alsofacing more opportunities and challenges,which made the task of Commercial bankingsupervision more complicated and more difficult.On one hand,the Commercial bankingregulators need to guarantee the stable operations of Commercial Banks to maintain the stabilityof the financial system.On the other hand,with the development of business types of commercialbanks growing,the rapid development of service charges business which casually chargesaroused social concern.People’s demand for the government to strengthen supervision ofcommercial banks are also more urgent.Therefore studying how to strengthen our CommercialBanking supervision under the current situation has a very important theoretical and practicalsignificance for the maintenance of financial stability, promoting economic development andsafeguarding the fundamental interests of the masses.The paper is divided into five parts: Part I is the introduction, which mainly discusses thebackground and significance of the research, research methods as well as domestic andinternational research status.PartⅡdiscusses the related concepts of China’s commercial bankingsupervision,namely Commercial Bank and Commercial Banking supervision, and makesanalysis of the theoretical basis of commercial bank supervision.PartⅢ analyses the currentstatus of domestic Commercial Banking supervision by describing the objectives and principlesof the current regulation of commercial banks,reviewing the history of China’s commercialbanking supervision development,analyzing the current organizational system and the regulatoryachievements.Part IV points out the present problems of commercial bank supervision and triesto find the reasons from different angles.On the basis of analyzing the causes of theproblems,Part V propose strategies and measures to improve supervision of commercial banks.