Research On Government Supervision Of China's State-owned Commercial Banks

Since the 1980s,with the gradual relaxation of financial regulation,the rapid development of modern information technology and the continuous innovation of financial products,especially financial derivatives,regional and even worldwide financial crises have occurred frequently.Events such as the debt crisis,the us savings and credit crisis,the sub-prime crisis,the bankruptcy of Iceland,the Greek debt crisis and so on all show that the risks faced by the banking industry are increasing and have negative effects and negative effects on the sustainable development of the world economy.How to comprehensively and effectively supervise the state-owned banking industry under the new economic situation and technical conditions has become a common task of all countries in the world.In China,the key component of the banking industry is state-owned commercial Banks,and the indispensable link in the reform of China's financial system is the reform of state-owned commercial Banks.In the process of development and reform of China's banking industry,constantly emerge risk regulatory issues concern,especially the risk of state-owned commercial Banks is more noticeable,in addition,a country's economic steady development to a great extent,relies on the healthy operation of state-owned commercial Banks,so every country and region to take strict measures to regulate commercial Banks.At present,the state-owned bank supervision system is by the phase transition to risk regulation compliance regulation stage,only the state-owned commercial bank supervision system to improve to the best state,to enhance the competitiveness of state-owned commercial Banks in the financial market in our country,and have the ability to face all the problem and challenge,a chance for state-owned commercial Banks to the steady development.The government and the organizations set up and established by the government are the subjects of financial institutions supervision.In China,there are mainly people's bank of China and China banking regulatory commission(CBRC),which are the regulatory products of the government's continuous improvement in line with the development trend of the banking industry and have strong administrative color.In this paper,under the current supervision system of "one row,three meetings",through the theoretical interpretation of China's state-owned commercial Banks and their supervision,and after clarifying the basic concepts of state-owned commercial Banks and government supervision of Banks,the development process of supervision of China's state-owned commercial Banks is comprehensively expounded.Based on the comprehensive analysis of the regulatory requirements of China's state-owned commercial Banks,this paper points out the main regulatory problems existing in the supervision of China's state-owned commercial Banks.It mainly includes:lack of coordination mechanism of supervision departments,narrow supervision content and scope,and imperfect supervision system.In view of this,this paper puts forward some Suggestions on how to further improve and perfect the supervision of state-owned commercial Banks by the Chinese government:strengthening the function of financial services of the government,managing the relationship between the supervision of the government of state-owned commercial Banks,coordinating the supervision mechanism of the government of state-owned commercial Banks,and innovating the means and methods of the government supervision of state-owned commercial Banks.