Research On Problems And Countermeasures Of The State-owned Commercial Bank Regulation

The assets of the banking sector plays a key role in the financial world, can account for more than ninety percent of financial assets, the state-owned commercial Banks is the main part of the banking industry, the development degree of stability of t he country’s economic development speed has a crucial effect and degree, but also to the entire banking stability and sustainability. At present, our country economic system reform into the deep water area and GongJianQ i, state-owned commercial Banks internal management link is relatively weak, loopholes in the risk management of funds, combined with the social from all walks of life to the poor supervision of state-owned Banks, cause the state-owned banking system internal fix too much, the risk is bigger. The supervision of the state-owned commercial Banks caused the challenge. Under the background of mixed management, bank risk presents the diversity and complexity, no doubt increased the difficulty of bank regulation and burden. Under the background of so serious, how to do the state-owned commercial bank supervision is particularly important. This article is based on the writing background, the study of state-owned commercial bank regulation.This article follows the found problems in the process of writ ing, problem analysis, the model to solve the problem, summarizes the problems existing in the state-owned commercial bank supervision, and analyze the reasons, finally puts forward some countermeasures for improvement from various angles. In this paper, t he research content mainly includes the following several parts: the first chapter: introduction. This part mainly introduced the selected topic background and significance of this article, combing the domestic and foreign scholars’ research results, on the basis of the formation of this article research ideas, research methods, and to determine the article is the integration of the literature. The second chapter: the basic theory of the state-owned commercial bank regulation. This part is the theoretical basis for this paper, mainly introduced the definition of the state-owned commercial bank supervision, the principles, objectives, methods, contents, etc., analyzes the important role of state-owned commercial Banks to regulate. The third chapter: the curre nt situation of the state-owned commercial bank regulation. This part in the five big state-owned commercial bank yueyang branch as an example, studied the subject, analyzes the five big state-owned commercial Banks in yueyang city branch in the regulatory effects and problems, and explores the root, on this basis, puts forward some countermeasures to improve. C hapter four: countermeasure Suggestions to perfect the state-owned commercial bank regulation. This is the core part of this article, this part is mainly based on the analysis in the third chapter, puts forward countermeasures, in order to provide reference for state-owned commercial bank supervision.This paper combines finance, economics, management science, political science, administration science subjects such as knowledge, enrich the discipline foundation of this article; Starting from the concrete practice of the banking sector, theory with practice, taking Yueyang city as an example, view and see the essence through the phenomenon; Focus on multivariate supervision main body, the banking supervision system that integrates building inside and outside.