Research On Government Regulation Of Operational Risk Of Shanghai Pudong Development Bank

After China enter into the WTO,the degree of market opening has been growing day by day,and the competition and challenge of financial market has become fiercely,and how to deal with the company operational risks have become more and more serious.In the procession of banking industry,commercial banks are the important part of a country's financial system re inform.Government supervision plays a vital role in the banking industry.Based on the relevant theories of risk management and government supervision of commercial banks civil and overseas,and taking the Shanghai Branch of Pu dong Development Bank as the research object,this paper makes a study on the supervision of the government on operational risk of commercial banks in China.Through the study,we find that in the process of development and reform of China's banking industry,the government departments for banking supervision is not satisfactory,highlighting the lack of supervision and dislocation.The Shanghai Branch of the Pu dong Development Bank has adopted a clear strategic development direction and credit investment direction,constantly improving the risk management system,enhancing the overall risk management capacity,raising the conversion rate and withdrawal rate of the desirable assets to promote the investment of desirable assets,technological and financial innovation.It has achieved certain results.But the internal supervision can not replace the external supervision of the government,the government has also taken the operational risk of the Shanghai Branch of the Pu dong Development Bank.Regulatory measures,these measures have also achieved some results,and have played a positive role in preventing operational risks for the Pu dong Development Bank.However,the government's supervision of the operational risks of the Pu dong Development Bank is still quite prominent,mainly manifested in the government's administrative intervention is too strong,the risk supervision mechanism is not coordinated,the risk supervision objectives are not clear and the risk supervision methods are relatively backward and so on.The transformation of government regulation is not in place,the government from the aspects of perfecting the market economy system of the government supervising the behavior of commercial banks,carrying out risk management and the consciousness through deepening the reform soas to solve the problem of the government's supervision of the operational risk of the Shanghai Branch of Pu dong Development Bank.The problem is not in place.In a word,the government supervision on the operational in the transitional stage from compliance supervision to risk supervision.The ability and gradually improving and optimizing the supervision system of city commercial banks can have a strong anti-risk ability in the market economy in China and deal with it.It can cope with and overcome difficulties and grasp the challenge in the proper time to ensure the steady cooperation and development of China's commercial banks.