A Study On The Supervision Of City Commercial Banks In City Q

City commercial bank is an important part of Q’s banking system. Under the prudent supervision of governmental regulators, city commercial bank in city Q gradually resolve historical burden and increasingly enhance risk-management level. They also make salient contributions on supporting small and medium enterprises(SMEs), stimulating real economy, and promoting inclusive financial system. However, supervision system in city Q is facing severe challenges as China’s economy enters “new normal”. Therefore, investigation on how to strengthen regulation so as to improve city commercial banks’ competitive power and risk resisting ability becomes regulators’ social responsibility, which also becomes this study’s core content.This study first reviews the existing literature regarding banking supervision and city commercial bank in China and internationally. By comparing different supervision systems, the author proposes the advantages of China’s city commercial bank supervision system. In the following step, this study analyzes bank supervision’s key concept, necessity, and goals from the perspective of bank supervising theory. In addition, this study introduces China’s banking supervising system, which is led by government’s administrative regulation, supported by internal control, mutually participated by industry and market constraint. On the basis of the abovementioned analysis, this study finds that the supervising subjects of city Q’s city commercial banks are China Banking Regulatory Commission(CBRC) and its agency, as well as People’s bank of China, while supervision’s objects are Q bank and H bank’s Q branch. Contents of supervision include market entry and business operation, which constitutes the framework of Q’s supervision system. In the next step, the author analyzes city Q’s supervision on city commercial bank in the context of the new normal economy using the basic data from city Q’s city commercial bank. Moreover, by combining practical experience, the author points out the main problems in supervising object, subject, and content. This study also provides suggestions on strengthening the construction of supervising object, pormoting the development of supervising object, and improving the ability of supervising enforcement, which guides the future direction of governmental supervision of city Q’s city commercial banks.