The Research Of Supervision Of Government On The State-owned Commercial Banks

From the beginning of the eighties, in the financial regulation, the world began to relax control efforts, coupled with the development and continuous innovation of modern science and technology, financial information products, leading to regional and even global financial crisis-prone plus affected by the credit crisis, debt crisis and the US subprime mortgage crisis and other events, all kinds of risks facing the banking sector, have serious impact on the economic development of countries in the world. And how under the new economic form an overall effective regulation on Banks, is a problem that need to be studied common around the world. Because of the state-owned commercial Banks in our country the whole enjoys an absolute advantage in the financial system and the important position, is the focus for financial reform, Our state-owned commercial banks, financial products get less innovation, less competitive, to a lesser extent mixed operation, in response to the international financial by the grim situation, the Government has taken what means of supervision and regulatory mechanisms for implementing effective supervision, while continuing to improve operational efficiency and reduce the bank's operational risk of banks, improve the bank's internal governance structure, it is to promote the development and reform of state-owned commercial banks is an important issue. We can see that the government-owned commercial banks to implement effective regulation is to ensure the safe operation of state-owned commercial banks and the government to promote the key financial reform.Under article by drawing on previous research on the theoretical basis of the state-owned commercial banks regulated by the Government, such as the connotation and function of the state-owned commercial banks and the need for government regulation such as the role of government and its regulatory function theory have a certain understanding of the premise, the state-owned commercial banks government analysis Situation regulation and the current government of state-owned commercial banks were the main regulatory issues that exist, Including the main body of government regulation, on the basis of state-owned commercial Banks, contents, methods and application status quo and existing lag of change of government function, regulatory functions repeat configuration, the regulatory system is not sound, lack of systemic regulatory content, supervision methods and means of relatively single, puts forward some countermeasures for perfecting the government regulation of state-owned commercial Banks, through strengthening the government's public service function, the relationship between state-owned commercial Banks government regulation, coordinate government regulation mechanism, enriching the content of government regulation, the innovation measures of the government regulation means and methods, so as to form the benign interaction between the regulator and the regulated, effective risk prevention and dissolve the risk, thus improve the competitiveness of state-owned commercial Banks in the development.