S Bank Supervision Branch Bureau Optimization Research

S as the offices of the CBRC municipal branch bureau, in February2004, sinceits inception, fully takes office, promote area banking institutions to strengthen theconstruction of internal control, strengthen risk management, improve the bankingorganization system construction, improving the quality of financial services,strengthening the support to the real economy, banking development made a historicbreakthrough. But there were still some problems,such as High bank credit risk，Localgovernment financing platform loans risk control pressure，Off-balance sheet businesscompetition and Local institutional investor system reform does not reach thedesignated position etc…All of the aspect shows that distance to illustrate S branchbureau of maintaining the financial order, enhance the competitiveness of bankingindustry, sustainable development, there is still a gap, the regulatory objectives ofregulatory work remains to be further optimized.By means of S organization structure, human resource situation, branch bureausupervision process, regulatory information, and so on and so forth are analyzed, Theauthor found that there exist in supervision of overall risk condition to master is notclear, the off-site supervision lack of forward-looking, on-site inspection and morequality is not high, weakening supervision execution and so on; Reason is theimperfect supervision system, regulatory system defects, backward regulatory means,supervision standards are not clear, and the existence of the absence of incentiveconstraint mechanisms such as restricting factors. So the author make the optimizationwork,includes aspects of systematic work, adjust the regulatory organization structure;for digital supervision work, promote the regulatory information; for supervisionefficiency, business process integration regulation; for regulation, standardizationwork, set up quality control system, etc., by building a standardized and systematic,procedural supervision system, and constantly improve the level of supervision andregulation effect.