Research On The Supervision Of State-owned Commercial Banks

As the rapid development of economy in China,it is more and more essential to ensure the safety and stability of the finical market.Commercial Bank,protector of capital market,is becoming indispensable.There is inseparable relationship between stability of commercial bank and region,even microeconomics.Weakness,asymmetrical,moral risks are main problem of finical department in the bank,which proves that bank will rely on the scrutiny in growth.The depth of the supervision deeply impact fluency,safety,efficiency of the bank.Compared to the bank system which is in open environment,the supervision is in front and center.The stable finance and economic influence each other and the uncertain index are significant.The economic integration is evident and credit business is complicated due to a body of technology has invested in finance.As origin of scrutiny from government to credit in bank,the supervision was utilized in substantial aspects.However,while the credit business of the commercial banking industry is developing rapidly,there are still flaws.Many aspects of commercial bank credit need to be improved.To successfully solve these problems,it is necessary to conduct in-depth external supervision.The effective supervision of bank credit business has put forward higher requirements.This article first expounds the background and significance of the government's research on the supervision and management of commercial banks,and analyzes and summarizes the current status of domestic and foreign research,and elaborates the current state of development of government regulators on state-owned commercial banks.Next,the government regulatory department conducted an objective analysis of the basic framework of Bank C's external supervision,the current status of the supervision mechanism,and the implementation of the supervision of policies in combination with specific cases,and analyzed in depth the problems in the credit business supervision of state-owned commercial banks,including supervision The department has over-regulated the credit business supervision of state-owned commercial banks,deviated from the regulatory philosophy and mechanism,and has inadequate supervision effects and supervision,and analyzes the existing problems.Finally,it proposes more effective measures for the existing problems,mainly including Measures such as improving the regulatory system,standardizing and perfecting the coordination mechanism for credit supervision,strengthening supporting technical support for credit supervision,and establishing market constraints,and information disclosure mechanisms to provide some reference for the future state-owned commercial bank credit supervision.