Analysis Of Local Financial Supervision Issues And Countermeasure Research

Finance as an economic activity with important functions such as currency issuing and loan issuance,through the way of taking effective resource integration to promote value circulation,the dynamic characteristics of finance requires that individuals and enterprises take scientific and reasonable decisions and behaviors in financial activities.With the continues development of the modern financial market,the financial system of all countries has been well and fully developed,and our financial system,regime and financial risk prevention have gradually entered into the right track,and have achieved good and rapid development in many areas.However,in the process of the continues development of the financial industry,the diversification of financial organizations make the corresponding risks significantly increase.A large number of local equity markets and commodities trading markets have emerged,and the concept of Internet finance has been strengthened,and the hidden troubles of local financial risks have increased sharply.At the same time,insufficient legal basis and the lack of regulatory approaches and supervision means of the local financial supervision and management departments have highlighted the increasing pressure on local financial risk prevention.Against this background,the effective and reasonable supervision of local financial risks is highly valued by relevant departments and organizations.This article is based on the thought of find and solves problems.First of all,this article expound the related theory of local financial risk and the financial supervision,and believe that local financial regulation is a necessary and effective way to guard against local financial risks.In the analysis of China's local financial regulation problems,taking Qingdao as an example,from institutional perspective summed up the law and regulation system and regulation efficiency problems,such as local financial supervision legal system is imperfect,the local government financial regulation the unequal,regulatory responsibilities defined power and responsibility is not clear,the local financial responsibilities set goal is not clear,the local financial regulation is not unified,local financial regulators started their ability does not reach the designated position,financial regulation means and measures for the lack of effectiveness,lack of coordination between the local financial regulator and so on.To solve these problems,we should actively learn from foreign developed countries and domestic cities in the practice of financial regulation and useful experience,continue to deepen financial reform and innovation,from the legal system,financial supervision system construction,the central and local regulatory responsibilities division and reduce the decentralization and other aspects;Beyond that,local financial supervision should be strengthened in the aspects of supervision methods and measures,risk awareness,personnel construction,industry self-discipline and credit system construction.