Research On The Problems And Countermeasures Of Commercial Bank Regulation In Huizhou City

Banks are one of the four pillar industries of China's finance.As the pace of financial innovation accelerates,the complexity and openness of the commercial banking system are increasing,various chaotic phenomena and hidden risks in the banking system are emerging endlessly,and disciplinary and illegal cases within banking system are occurring frequently.In recent years,there have been many large-scale violations of laws and regulations in the banking industry of Huizhou,reflecting the problems in the supervision of commercial banks in Huizhou.Practice has proved that good supervision and management not only help prevent and reduce the occurrence of financial crises,but also improve the robustness of the banking system.Therefore,under the realistic requirements of Huizhou's participation in the construction of the Guangdong-Hong Kong-Macao Greater Bay Area and high-quality socio-economic development,how does the China Banking and Insurance Regulatory Commission's Huizhou Regulatory Branch strengthen its supervision,strengthen regulatory coordination,supplement regulatory shortcomings,improve regulatory effectiveness,and guide Huizhou's commercial banks to give full play to the role of financial support to the real economy and risk prevention,and build security defending the line and keeping the bottom line where systemic financial risks do not occur is of great practical significance.This article summarizes the main problems in the supervision of commercial banks in Huizhou on the basis of presenting the regulatory status of commercial banks in Huizhou.The problems are including insufficient market access supervision,incomplete coverage of off-site inspections,inadequate on-site inspections,insufficient risk supervision and risk warning,and inadequate information disclosure supervision,etc.The main reasons for these problems are analyzed from the aspects of supervision legal system,supervision forces,supervision agencies,supervision technology,and external environment.On this basis,solutions to improve the supervision of commercial banks in Huizhou City are proposed: improve the supervision laws and regulations of commercial banks;optimize the horizontal and vertical inter-departmental supervision cooperation model;increase the use of technology and promote the implementation of big data supervision;optimize the allocation of human resources;improve the transparency of commercial banks' supervision and information disclosure system,etc.