The Research Of The Government Regulation Of Shareholding Commercial Banks In New Normalcy

Nowadays,China's economic development has entered a new normal.The external environment and internal mechanism of the reform and development of commercial banks have undergone complicated and profound changes.How to promote the commercial banks to adapt to the new normal,accurate recognition of the current risk of new changes,and take timely and effective risk control measures to become the focus of academic research.China Banking Regulatory Commission is responsible for the risk supervision of commercial banks,but because of the short time of establishment of China's financial supervision system,not only in the legal shortcomings,its regulatory system,regulatory methods and content also lagged behind the new economic development pace.Attaching great importance to innovation and strengthening the supervision of the government of banks is the inherent requirement to adapt to the "new normal.of the economy and guarantee the healthy development of China's banking industry.This article introduces the background,concept and theoretical basis of commercial bank supervision,summarizes the development of China's commercial banks supervision,organizational structure,evaluation system,diagnosed the existence of the problem of government banking supervision and errors,by comparative analysis Based on the background of the times and the basic national conditions of our country,this paper puts forward some opinions on the government supervision of the joint-stock commercial banks under the new normal conditions.The main contents are as follows:Chapter 1,we discusses the background and significance of the research on the risk of the joint-stock commercial banks and the strengthening of the government supervision under the new economic norm,combing the research status quo at home and abroad and putting forward the research mentality and frame.Chapter 2,we summarizes the theories of government regulation,such as the public interest theory of bank supervision,the theory of government-controlled prisoners and the theory of financial liberalization.Chapter 3,we combing the history of China's commercial banks since the founding of the PRC.China's commercial banking supervision system is evolving,which includes five parts.Since 2001,the People's Bank of China has transferred the supervision of the banking industry to the China Banking Regulatory Commission.China's current government regulatory objectives are clear.There are quantitative indicators,risk classification,on-site and off-site monitoring.Chapter 4 the problems of supervision of commercial banks in our country are analyzed,such as weak sense of banking supervision risk,obsolete supervision idea,laggard of supervisory and legal system,lagging supervision methods,weak supervisory personnel and insufficient information disclosure.There are some blind spots in the rule of law,there are some misunderstandings in the sense of risk,and the unreasonable way of supervision is the main reason for the above problems.Chapter 5,we analysis in-depth and summary of the experience of banking supervision in the United States and the United States.Facing the complex domestic and international environment,our country's banking supervision needs to choose the successful experience of the United States and the United States:the docking Basel agreement,integration into the World Bank supervision body;coordination on-site supervision and off-site supervision,the whole process of regulation;Accident Response to Financial Risks and Post-feedback Evaluation.The complex banking environment at home and abroad,our country's banking supervision need to have a successful reference from the experience of the United States and the United States,and consider the actual situation to deepen the banking reform.Chapter 6,we puts forward some countermeasures and suggestions on perfecting the supervision and management of the joint-stock commercial banks,including perfecting the legal system of commercial banks supervision,strictly managing the law according to the law,continuing to reform the regulatory framework,cultivating the risk management culture,Supervision,intelligent supervision system;implement the 'decentralization of decentralization';strengthen the supervision of qualified personnel...