The Government Supervision Department Control Risk Of The Community Subbranch And Samll Micro Subbranch

In 2013,the state began to advocate and encourage the development of small and medium-sized joint-stock commercial Banks to establish community branch,small branches,community Banks and small Banks unwittingly become the new battlefield for the commercial Banks competition,domestic small and medium-sized joint-stock commercial Banks in miniature network construction boom,community branch,small branch has become the hot topic of the reform and development of the financial system in our country.Community branch Banks,small micro branch after three years of development gradually formed its own features,but it is due to the national government regulators have not branch of the community,small branches to give strict business types,development models,specifications,in aspects of risk control branch,small micro branch in community is faced with a lot of risk.This article first from the selected topic background and significance of the paper the author studies the reason of this direction,and the research results were reviewed at home and abroad,to the community branch,small branches of concept interpretation,based on the community branch,operating characteristics and advantages and disadvantages of the small micro branch for further analysis,public information platform of community calendar year to be obtained from national regulatory department branch number and bank distribution,small micro branch construction,analyzes the current our country community branch,the current situation of the development of small micro branch.The next one by one analysis current our country community branch,the risk in the small micro branch points and causes,from regulatory responsibilities unclear,legal system is not sound,internal control system is not comprehensive,exit mechanism is not sound in four aspects,analyzes the community branch,in the development of small micro branch national regulation does not reach the designated position,and through comparison and analysis of overseas advanced experience and practice,for the existence of national government in the process of regulatory problems and gap.Finally,puts forward solutions to the problems existing in the current,from the enhancement of national regulators regulatory responsibilities,consummates our country related laws and regulations,strengthen supervision and management in the process of operation and start the corresponding exit or turn the licensing mechanism four aspects,proposed the author to our country government supervision,small community branch branch of opinions and Suggestions.National government branch of the community,small branches of regulation is a long and meticulous work,because a lot of risk points haven't explode,community branch,the development of small micro branch is faced with many challenges.