The Empirical Study On The Regulator Of Financial Services Of Commercial Banks

As a banking service which has been developed for a long time,commercial bank financial services are related to the stability and prosperity of the banking industry.In recent years,as the financial services of commercial Banks have become more mature,the regulatory authorities have been more committed to regulating the operation of the commercial Banks' financial services.Although the new financial regulation can improve the development state of commercial Banks' financial services at the legal level and solve problems such as "rigid payment" and "multi-layer nesting" to the greatest extent,there are still loopholes in the regulatory law that cannot be ignored.On this basis,this paper makes an empirical analysis of China's commercial Banks' financial services and puts forward corresponding Suggestions.The article is divided into four parts.First,It is to accurately explain the related basic concepts of the financial services of commercial Banks and the financial products,so as to distinguish the legal relation of financial services.Then it points out the development status and innovation mode of commercial Banks' financial services,and has a general understanding of the market of commercial Banks' financial services.Then,it analyzes the origin and definition of financial supervision,thus extending the evolution and definition of the supervision law of commercial Banks' financial services,gives an overall impression of the supervision law of commercial Banks' financial services,and points out the importance of the supervision legal through the selection of the legal value target of bank supervision.The second part uses the quantitative analysis of the empirical research method,mainly is the validation information of the implementation of law on the supervision of the commercial bank,through the silver release of circ,from January 2018 to December2019,a total of 207 administrative punishment case analysis,through the data analysis to reveal the extent of the regulator applicable laws and regulations;The empirical analysis is mainly to conduct quantitative processing of data,such as thenumber of penalties imposed on major commercial Banks,the types of violations,the punishment measures taken by senior managers and main responsible persons,etc.,to understand the legal loopholes in the supervision of commercial Banks' financial services.The third part is to find out the successful supervision experience of financial services of foreign commercial Banks by deconstructing and sorting out foreign financial laws and regulations.The fourth part,combining with the relevant supervision problems revealed by the empirical analysis,this part puts forward some useful Suggestions for the supervision law of financial services in China,so as to better improve the supervision law of financial services.Though the analysis,it can be seen that commercial Banks have some deviation in the supervision concept of financial services,and there is still no effective coordination between regulators at all levels and different branches.In addition,the supervision of the financial capital investment of commercial Banks' financial products is still at the institutional level,which increases the operational difficulty for the effective supervision of regulators.The article suggests to strengthen the concept of macro-prudential regulation.meanwhile,it is suggested to improve the communication,coordination and supervision mechanism.and penetration supervision;At the same time,Raise the level of regulatory legislation and empower regulatory bodies;Develop more detailed specific operating guidelines.While introducing innovative supervision modes such as financial management subsidiaries,it also ensures the compliance operation of financial management subsidiaries and prudent supervision of financial management subsidiaries.In the face of financial service disputes of commercial Banks,it is necessary to establish a diversified dispute resolution mechanism and make good use of non-litigation resolution methods to guarantee the right of investors to obtain compensation.Under the circumstance of the new regulation of asset management,it has certain theoretical and practical significance to maintain the sustainable development of commercial Banks' financial services,and to make the key breakthrough ofmaintaining financial security and resolving the legal crisis of commercial financial services at the national regulatory level.