Research On Governmental Regulation Of Commercial Banks' Financial Risks

Based on relevant theories and literatures,this dissertation systematically sorts out the historical development process of Chinese government's regulation of commercial banks,and analyzes the necessity of regulation,responsibility orientation and content performance.Through the analysis of the current regulatory status,including regulatory objectives,indicators,methods,mechanisms,and effectiveness,we have identified the possible problems of the current regulation and the reasons for the problems.On the basis of the regulatory problems and the reasons for the problems,drawing on relevant regulatory experience from the United States and Britain,we finally come to a series of conclusions to optimize China's banking regulation.The main conclusions are as follows:(1)At present,the financial risks of commercial banks can be controlled,but the comprehensive regulation of commercial banks must be strengthened.At present,the government's regulation of the financial risks of commercial banks is mainly manifested by unreasonable organizational structure,incomprehensive established information in the credit system,and incomplete establishment of the clean government system,lack of pertinence and effectiveness of laws,regulations and regulatory policies and lack of staffing and professionalism of regulatory personnel.(2)The problems are mainly caused by the lack of a clear government regulation responsibility,a good macro-environment for banking regulation,a strong market restraint mechanism,lack of prominent regulation focus,incomplete content,inadequate administrative system reform,and incomplete financial regulation system reform.(3)To better strengthen the regulation of financial risks,the government should actively strengthen the transformation of functions,improve the legal system of regulation,improve the regulation mechanism,increase the intensity of government regulation,and comprehensively upgrade the regulation system from all aspects,so as to better realize the prevention and control of financial risks of commercial banks and implement the penetrating financial regulation.